| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK ZINGARO3 | 4 HUBBARD CIR BRONXVILLE, NY 107084408 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 6.80% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | THE GRAHAM COMPANY 1 PENN SQ W PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $44 | $7K | 3.29% |
| FRANK ZINGARO3 | 4 HUBBARD CIR BRONXVILLE, NY 10708 | COMPANION LIFE INSURANCE COMPANY | $3K | $982 | $4K | 6.44% |
| WILLIAM A GRAHAM COMPANY3 | 30 S 15TH ST PHILADELPHIA, PA 19102 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 5.02% |
| FRANK ZINGARO3 | 4 HUBBARD CIR BRONXVILLE, NY 10708 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $416 | $3K | 5.74% |
| WILLIAM A GRAHAM COMPANY3 | 30 S 15TH ST PHILADELPHIA, PA 19102 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 4.98% |
| FRANK ZINGARO3 | 4 HUBBARD CIR BRONXVILLE, NY 10708 | COMPANION LIFE INSURANCE COMPANY | $2K | $450 | $3K | 6.00% |
| WILLIAM A GRAHAM COMPANY3 | 30 S 15TH ST PHILADELPHIA, PA 19102 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 5.03% |
| FRANK ZINGARO3 | 4 HUBBARD CIR BRONXVILLE, NY 10708 | MUTUAL OF OMAHA INSURANCE COMPANY | $309 | $64 | $373 | 5.99% |
| WILLIAM A GRAHAM COMPANY3 | 30 S 15TH ST PHILADELPHIA, PA 19102 | MUTUAL OF OMAHA INSURANCE COMPANY | $313 | — | $313 | 5.03% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 442 | $202K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 272 | $117K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 272 | $57K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 272 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.