| 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 | $8K | $179K | $187K | 4.58% |
| PENTRA LLC3 Filed as: PENTRA INC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $14K | 8.33% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 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 | $11K | $934 | $12K | 18.98% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 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 | $3K | $352 | $4K | 15.87% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 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 | $414 | $3K | 13.87% |
| INSURLYNX LLC3 | 10 BROADWAY 2ND FLOOR BUILDING TRUMBULL, CT 06611 | UNUM INSURANCE COMPANY | $93 | — | $93 | 0.39% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 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 | $347 | $3K | 16.19% |
| INSURLYNX LLC3 | 10 BROADWAY 2ND FLOOR BUILDING TRUMBULL, CT 06611 | UNUM INSURANCE COMPANY | $62 | — | $62 | 0.32% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 704 | $4.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 704 | $4.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 704 | $4.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $236K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $172K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $172K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 255 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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.