| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $71K | $77K | 5.61% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.39% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.12% |
| PAYPRO VENTURES LLC3 | 115 COMAC ST RONKONKOMA, NY 117796931 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | -$103 | -$105 | -0.01% |
| AGM BENEFITS3 | AN ALERA GROUP AGENCY LLC 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 23.45% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.28% |
| MADURO INSURANCE GROUP3 | DBA TOM GALLAGHER INSURANCE 18001 OLD CUTLER ROAD SUITE #560 PALMETTO BAY, FL 33157 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.27% |
| ENROLLMENT ALLIANCE LLC3 | 1302 NORTH 19 STREET SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.25% |
| PAYPRO VENTURES LLC3 Filed as: PAYPRO CORP | 210 MARCUS BLVD HAUPPAUGE, NY 11788 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.14% |
| IGLESIAS ENRIQUE A3 | 204 E SOUTH ST UNIT 4055 ORLANDO, FL 328013555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.07% |
| ENROLLMENT ALLIANCE LLC3 | 1302 NORTH 19TH STREET SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| BRENNAN CRISTINA3 | 2807 CORDOBA RANCH BLVD LUTZ, FL 335593961 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| AGM BENEFITS3 | AN ALERA GROUP AGENCY LLC 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 64.73% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 26.84% |
| AGM BENEFITS3 | AN ALERA GROUP AGENCY LLC 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 20.92% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 7.69% |
| ENROLLMENT ALLIANCE LLC3 | 1302 NORTH 19 STREET SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.38% |
| MADURO INSURANCE GROUP3 | DBA TOM GALLAGHER INSURANCE 18001 OLD CUTLER ROAD SUITE #560 PALMETTO BAY, FL 33157 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.28% |
| IGLESIAS ENRIQUE A3 | 204 E SOUTH ST UNI 4055 ORLANDO, FL 328013555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.24% |
| ENROLLMENT ALLIANCE LLC3 | 1302 NORTH 19TH STREET SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.08% |
| BRENNAN CRISTINA3 | 2807 CORDOBA RANCH BLVD LUTZ, FL 335593961 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| AGM BENEFITS3 | AN ALERA GROUP AGENCY LLC 8550 UNITED PLAZA BLVD STE 210 BATON ROUGE, LA 70809 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 33.56% |
| PENTRA LLC3 Filed as: PENTRA INC | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $824 | — | $824 | 13.60% |
| MADURO INSURANCE GROUP3 | DBA TOM GALLAGHER INSURANCE 18001 OLD CUTLER ROAD SUITE #560 PALMETTO BAY, FL 33157 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.15% |
| ENROLLMENT ALLIANCE LLC3 | 1302 NORTH 19 STREET SUITE 150 TAMPLA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.12% |
| IGLESIAS ENRIQUE A3 | 204 E SOUTH ST UNIT 4055 ORLANDO, FL 328013555 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| ENROLLMENT ALLIANCE LLC3 | 1302 NORTH 19TH STREET SUITE 150 TAMPA, FL 33605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| PAYPRO VENTURES LLC3 Filed as: PAYPRO CORP | 210 MARCUS BLVD HAUPPAUGE, NY 11788 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| BRENNAN CRISTINA3 | 2807 CORDOBA RANCH BLVD LUTZ, FL 335593961 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 450 | $16K |
| Other(5 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 450 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.