| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA INC. | 795 E. LANCASTER AVE, # 210 VILLANOVA, PA 19085 | DELTA DENTAL OF DISTRICT OF COLUMBIA | $64K | — | $64K | 3.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 3.00% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $126K | $1K | $127K | 9.40% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $129K | — | $129K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $15K | $15K | 1.18% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $379 | $28K | 9.28% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISON CARE | $9K | — | $9K | 4.38% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $1K | $19K | 9.69% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $3K | $26K | 21.10% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | RELIANCE LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE LIFE INSURANCE COMPANY | — | $1K | $1K | 1.36% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.00% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $14K | 17.49% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY AND AFFLIATES | $16K | — | $16K | 29.93% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT INSURANCE | $3K | — | $3K | 15.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $531 | — | $531 | 2.98% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE, #210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $393 | — | $393 | 7.96% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $73 | — | $73 | 3.78% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $121 | — | $121 | 7.78% |
| PENTRA LLC3 Filed as: PENTRA INC. - BOR | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $28 | — | $28 | 8.28% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E LANCASTER AVE VILLANOVA, PA 19085 | EYEMED VISION CARE | $4 | — | $4 | 7.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 4,945 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,403 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,442 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | 3,156 | $17.3M |
| Dental(5 contracts, 4 carriers) | DELTA DENTAL OF DISTRICT OF COLUMBIA | 5,410 | $3.9M |
| Vision(6 contracts, 2 carriers) | EYEMED VISON CARE | 3,250 | $220K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,254 | $1.9M |
| Long-term disability(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,325 | $1.5M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,063 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,254 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.