| 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 | $74K | — | $74K | 3.00% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $148K | $211 | $148K | 10.21% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 3.00% |
| PENTRA LLC3 | TWO VILLANOVA CENTER 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $82K | — | $82K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $20K | $20K | 2.49% |
| PENTRA LLC3 | 795 E LANCASTER AVE TWO VILLANOVA CENTER VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY AND AFFLIATES | $15K | — | $15K | 3.01% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $211 | $32K | 10.04% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISON CARE | $11K | — | $11K | 5.00% |
| INTEGRATED BENEFIT SERVICES INC3 | DBA PENTRA INC 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $221 | $20K | 10.19% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $581 | $9K | 10.71% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 15.62% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 21.03% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.00% |
| PENTRA LLC3 | TWO VILLANOVA CENTER 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.44% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $300 | $2K | 11.33% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT INSURANCE | $3K | $240 | $3K | 16.30% |
| PENTRA LLC3 | 795 E. LANCASTER AVENUE, STE 210 VILLANOVA, PA 19085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.48% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE, #210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $437 | — | $437 | 5.06% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $141 | — | $141 | 4.93% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $61 | — | $61 | 3.39% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $27 | — | $27 | 4.61% |
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 | 5,221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,472 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | 3,118 | $18.6M |
| Dental(5 contracts, 4 carriers) | DELTA DENTAL OF DISTRICT OF COLUMBIA | 5,634 | $4.3M |
| Vision(5 contracts, 2 carriers) | EYEMED VISON CARE | 3,361 | $228K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,453 | $2.0M |
| Long-term disability(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,556 | $974K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,069 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,453 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.