| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | $136K | — | $136K | 15.67% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7844 LANCASTER, PA 17604 | TRANSAMERICA LIFE INSURANCE COMPANY | $140K | — | $140K | 35.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 12882 COLLECTIONS CENTER DR CHICAGO, IL 60693 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 35371 NETWORK PLACE CHICAGO, IL 606731353 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.75% |
| DOROTHY MOLLOY3 | 1213 MOHEGAN RD MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MARK FEYGIN3 | 1250 N LASALLE DRIVE CHICAGO, IL 60610 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DC TEB OPEN3 Filed as: VA TEB OPEN | 12 GREENWOOD SHOALS GRASONVILLE, MD 21638 | TRANSAMERICA LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 4.89% |
| THE GRAHAM COMPANY3 | 30 S 15TH ST PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $30K | — | $30K | 15.81% |
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 | 3,361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 434 | $391K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,253 | $282K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 3,074 | $190K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,072 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,072 | $1.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,072 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,072 | — |
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.