| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $122K | $127K | 4.58% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GRP INC | 1 KELLY WAY ATTN CRAIG S. HORNER CFO AND TR SPARKS GLENCO, MD 21152 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 4.46% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | STANDARD INSURANCE COMPANY | $3K | $130 | $3K | 1.70% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | STANDARD INSURANCE COMPANY | $0 | $118 | $118 | 0.06% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $9K | 10.13% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.29% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $845 | $5K | 10.56% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 795 E LANCASTER AVE STE 110 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $587 | $0 | $587 | 1.28% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $588 | $4K | 10.05% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $566 | $0 | $566 | 1.27% |
| PENTRA LLC3 Filed as: PENTRA, LLC. | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $645 | $4K | 10.23% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA PENTRA LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $546 | $0 | $546 | 1.27% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 501 | $2.8M |
| Dental | STANDARD INSURANCE COMPANY | 269 | $196K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 501 | $2.8M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $85K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.