Welfare broker

PENTRA LLC

Mailing address (most recent filing)

1041 OLD CASSATT RD

BERWYN, PA 19312

Total comp: $6.6M
Commissions: $4.8M
Fees: $1.9M
Filings: 122
Sponsors: 122

Carrier mix

Where PENTRA LLC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY31.7%
CIGNA HEALTH AND LIFE INSURANCE COMPANY14.6%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY9.8%
SUN LIFE ASSURANCE COMPANY OF CANADA7.3%
METROPOLITAN LIFE INSURANCE COMPANY7.3%
LIFE INSURANCE COMPANY OF NORTH AMERICA7.3%
AETNA LIFE INSURANCE COMPANY7.3%
HARTFORD LIFE AND ACCIDENT4.9%
Other (2)9.8%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	13	$27.4M	31.7%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	6	$23.5M	14.6%
THE LINCOLN NATIONAL LIFE INSURANCE COMPANY	4	$2.6M	9.8%
SUN LIFE ASSURANCE COMPANY OF CANADA	3	$574K	7.3%
METROPOLITAN LIFE INSURANCE COMPANY	3	$2.4M	7.3%
LIFE INSURANCE COMPANY OF NORTH AMERICA	3	$4.1M	7.3%
AETNA LIFE INSURANCE COMPANY	3	$4.9M	7.3%
HARTFORD LIFE AND ACCIDENT	2	$339K	4.9%
RELIANCE STANDARD LIFE INSURANCE COMPANY	2	$874K	4.9%
PRINCIPAL LIFE INSURANCE COMPANY	2	$332K	4.9%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
PA	14	$14.1M	0.3%	6.46x
NY	13	$39.1M	0.2%	4.96x
NJ	5	$7.8M	0.2%	4.46x
FL	4	$7.5M	0.1%	1.95x
MA	2	$1.9M	0.1%	1.78x
LA	2	$4.4M	0.2%	4.89x
WI	1	$102K	0.0%	1.02x
TX	1	$674K	0.0%	0.32x
SC	1	$989K	0.1%	2.39x
OH	1	$102K	0.0%	0.15x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of PENTRA LLC's plans by broker comp / premium ratio. Median 7.97% vs welfare-wide median 6.29% (n=52).

Prospect-flag exposure · vs market baseline

Share of PENTRA LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

51-52 of 52 sponsors where PENTRA LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BENEFLEX, INC DBA CLARITY BENEFIT SOLUTIONS BENEFLEX, INC DBA CLARITY BENEFIT SOLUTIONS WELFARE PLAN	NJ	$74K	$6K	SUN LIFE ASSURANCE COMPANY OF CANADA
AGRITEER, LLC AGRITEER, LLC HEALTH INSURANCE PLAN	PA	$31K	$5K	PRINCIPAL LIFE INSURANCE COMPANY

Carrier

Plans

Premium

UNITEDHEALTHCARE INSURANCE COMPANY

$27.4M

31.7%

CIGNA HEALTH AND LIFE INSURANCE COMPANY

$23.5M

14.6%

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

$2.6M

9.8%

SUN LIFE ASSURANCE COMPANY OF CANADA

$574K

7.3%

METROPOLITAN LIFE INSURANCE COMPANY

$2.4M

7.3%

LIFE INSURANCE COMPANY OF NORTH AMERICA

$4.1M

7.3%

AETNA LIFE INSURANCE COMPANY

$4.9M

7.3%

HARTFORD LIFE AND ACCIDENT

$339K

4.9%

RELIANCE STANDARD LIFE INSURANCE COMPANY

$874K

4.9%

PRINCIPAL LIFE INSURANCE COMPANY

$332K

4.9%

State

Plans

Premium

State share

Index

$14.1M

0.3%

6.46x

$39.1M

0.2%

4.96x

$7.8M

0.2%

4.46x

$7.5M

0.1%

1.95x

$1.9M

0.1%

1.78x

$4.4M

0.2%

4.89x

$102K

0.0%

1.02x

$674K

0.0%

0.32x

$989K

0.1%

2.39x

$102K

0.0%

0.15x

Sponsor

Loc

Premium

Comp

Carrier

BENEFLEX, INC DBA CLARITY BENEFIT SOLUTIONS

BENEFLEX, INC DBA CLARITY BENEFIT SOLUTIONS WELFARE PLAN

$74K

$6K

SUN LIFE ASSURANCE COMPANY OF CANADA

AGRITEER, LLC

AGRITEER, LLC HEALTH INSURANCE PLAN

$31K

$5K

PRINCIPAL LIFE INSURANCE COMPANY