| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | THE GRAHAM COMPANY 1 PENN SQ W PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $44 | $9K | 5.02% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATION I | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $578 | $578 | 0.34% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 3.73% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 19.08% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $426 | — | $426 | 15.01% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $137 | — | $137 | 10.00% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $44 | — | $44 | 11.89% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 458 | $172K |
| Vision | AETNA LIFE INSURANCE CO. | 365 | $14K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 300 | $90K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 136 | $1K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 138 | $3K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 249 | $370 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.