| 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 | $77K | — | $77K | 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 | $55K | — | $55K | 3.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT INSURANCE | $178K | — | $178K | 10.01% |
| SAUL R LOCKER3 | 1099 EIGHTEENTH ST STE2870 DENVER, CO 80202 | HARTFORD LIFE AND ACCIDENT INSURANCE | $89K | $72K | $161K | 9.05% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $150K | $12 | $150K | 9.89% |
| PENTRA LLC3 | 795 E LANCASTER AVE TWO VILLANOVA CENTER VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY AND AFFLIATES | $14K | — | $14K | 3.03% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $12 | $32K | 9.95% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISON CARE | $6K | — | $6K | 2.29% |
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC,AN ALERA GROUP COMPANY | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISON CARE | $5K | — | $5K | 1.91% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $12 | $20K | 9.88% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $1K | $29K | 15.68% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.00% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $625 | $13K | 15.86% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 787203550 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $378 | $11K | 21.31% |
| PENTRA LLC3 | 795 E LANCASTER AVE, STE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
| PENTRA LLC3 | 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 | $2K | — | $2K | 14.40% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE, #210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $235 | — | $235 | 2.42% |
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC,AN ALERA GROUP COMPANY | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $184 | — | $184 | 1.89% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALANCIA, PA 91355 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $186 | — | $186 | 2.99% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $78 | — | $78 | 1.33% |
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC, AN ALERA GROUP COMPANY | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $63 | — | $63 | 1.07% |
| PENTRA LLC3 | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $47 | — | $47 | 2.92% |
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC, AN ALERA GROUP COMPANY | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $39 | — | $39 | 2.42% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $18 | — | $18 | 2.89% |
| GCG FINANCIAL LLC3 Filed as: PENTRA LLC, AN ALERA GROUP COMPANY | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | EYEMED VISION CARE | $10 | — | $10 | 1.61% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | HARTFORD LIFE AND ACCIDENT INSURANCE | — | $55 | $55 | — |
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 | 5,368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,530 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 67 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | 3,164 | $19.7M |
| Dental(5 contracts, 4 carriers) | DELTA DENTAL OF DISTRICT OF COLUMBIA | 5,798 | $5.1M |
| Vision(5 contracts, 2 carriers) | EYEMED VISON CARE | 3,509 | $277K |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,593 | $2.1M |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE | 4,984 | $1.9M |
| Other(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,181 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,593 | — |
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.