| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | AETNA LIFE INSURANCE COMPANY | $118K | $19K | $137K | 3.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $5K | $11K | 6.83% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $7K | $7K | 4.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $801 | $1K | $2K | 1.32% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM GRAHAM COMPANY | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $33 | -$640 | -$607 | -0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $2K | $5K | 8.77% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 6.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM GRAHAM COMPANY | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $692 | $461 | $1K | 2.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $386 | $257 | $643 | 1.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 10.02% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $682 | $682 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 212748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 15.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $375 | $375 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $639 | — | $639 | 9.43% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $339 | $339 | 5.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM GRAHAM COMPANY | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $39 | — | $39 | 0.58% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 442 | $4.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 442 | $4.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 442 | $4.2M |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 692 | $157K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 61 | $7K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 623 | $52K |
| Other(3 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 692 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.