| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | TWO VILLANOVA CENTER 795 E. LANCASTER AVE VILLANOVA, PA 19085 | DELTA DENTAL OF DISTRICT OF COLUMBIA | $42K | — | $42K | 1.75% |
| PENTRA LLC3 Filed as: PENTRA INC. | 795 E. LANCASTER AVE, # 210 VILLANOVA, PA 19085 | DELTA DENTAL OF DISTRICT OF COLUMBIA | $30K | — | $30K | 1.25% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $143K | $309 | $143K | 8.47% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $164K | — | $164K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $16K | $16K | 0.98% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | — | $47K | 3.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE TWO VILLANOVA CENTER VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY AND AFFLIATES | $9K | — | $9K | 1.76% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY AND AFFLIATES | $6K | — | $6K | 1.24% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $68 | $31K | 8.53% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISON CARE | $12K | — | $12K | 4.98% |
| PENTRA LLC3 | TWO VILLANOVA CENTER 795 E LANCASTER AVE VILLANOVA, PA 19085 | EYEMED VISON CARE | $968 | — | $968 | 0.39% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $132 | $20K | 10.02% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $176 | $19K | 14.94% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | RELIANCE LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE LIFE INSURANCE COMPANY | — | $1K | $1K | 1.03% |
| 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 | $10K | $129 | $10K | 15.14% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT INSURANCE | $3K | — | $3K | 15.00% |
| PENTRA LLC3 | 795 E. LANCASTER AVENUE, STE 210 VILLANOVA, PA 19085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 16.55% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE, #210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $535 | — | $535 | 5.04% |
| PENTRA LLC3 | 795 E LANCASTER AVE, #210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $39 | — | $39 | 0.37% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $227 | — | $227 | 3.03% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $184 | — | $184 | 5.12% |
| PENTRA LLC3 | 795 E LANCASTER AVE, SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $10 | — | $10 | 0.28% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $90 | — | $90 | 3.99% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $17 | — | $17 | 0.75% |
| PENTRA LLC3 Filed as: PENTRA INC. - BOR | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $30 | — | $30 | 5.42% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $2 | — | $2 | 0.36% |
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 | 5,046 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,491 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,572 | 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 | 3,126 | $18.4M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF DISTRICT OF COLUMBIA | 5,235 | $4.6M |
| Vision(5 contracts, 2 carriers) | EYEMED VISON CARE | 3,307 | $265K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,418 | $2.2M |
| Long-term disability(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,445 | $1.9M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,151 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,418 | — |
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."
No prospect flags tripped on this filing.