| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | $105K | $12K | $116K | 17.45% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 3.74% |
| THE GRAHAM COMPANY3 | 30 S 15TH ST PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $19K | — | $19K | 15.16% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7844 LANCASTER, PA 17604 | TRANSAMERICA LIFE INSURANCE COMPANY | $27K | — | $27K | 24.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 12882 COLLECTIONS CENTER DR CHICAGO, IL 60693 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 35371 NETWORK PLACE CHICAGO, IL 606731353 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $2K | — | $2K | 3.84% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $1K | — | $1K | 3.65% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $1K | — | $1K | 3.63% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA DENTAL HEALTH OF OHIO, INC. | $596 | — | $596 | 3.46% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $466 | — | $466 | 4.06% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $422 | — | $422 | 3.68% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $425 | — | $425 | 3.70% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $198 | — | $198 | 3.45% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $183 | — | $183 | 3.19% |
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 | 2,461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 249 | $109K |
| Dental(10 contracts, 10 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,218 | $456K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 2,769 | $128K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,010 | $775K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,010 | $775K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,010 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,010 | — |
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.