| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $4K | $16K | 5.34% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $15K | $15K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE BEACHWOOD, OH 44122 | STARMOUNT LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $3K | $45K | 16.25% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $14K | $14K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $17K | 16.25% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM INSURANCE COMPANY | $13K | $1K | $14K | 16.79% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $6K | — | $6K | 7.68% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM INSURANCE COMPANY | $2K | — | $2K | 2.61% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| COMBINED SERVICES LLC3 | 2 DELTA DR STE 301 CONCORD, NH 03301 | UNUM INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $722 | $4K | 7.62% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM INSURANCE COMPANY | $4K | $613 | $4K | 9.39% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $4K | — | $4K | 7.96% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $2K | — | $2K | 3.80% |
| UIG INC DBA UNITED INSURANCE3 Filed as: UIG INC. | 470 FOREST AVE PORTLAND, ME 04101 | UNUM INSURANCE COMPANY | $1K | — | $1K | 2.53% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM INSURANCE COMPANY | $3K | $262 | $3K | 8.12% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: BENEFIT ADVISORS NETWORK/ALERA | STE 350 3700 PARK EAST DRIVE BEACHWOOD, OH 44122 | UNUM 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 | 984 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 340 | $171K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 605 | $292K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 605 | $292K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,005 | $162K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 337 | $279K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 337 | $279K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,005 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,005 | — |
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.