| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQ W PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | $137K | $44 | $137K | 10.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1060 BROADWAY STE 400 ALBANY, NY 122042507 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 0.72% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 1 PENN SQ W PHILADELPHIA, PA 191024826 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | — | $13K | 2.18% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7844 LANCASTER, PA 17604 | TRANSAMERICA LIFE INSURANCE COMPANY | $141K | — | $141K | 32.92% |
| 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 | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 35371 NETWORK PLACE CHICAGO, IL 606731353 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.42% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | — | $13K | 3.82% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 1 PENN SQ W PHILADELPHIA, PA 191024826 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | — | $13K | 5.51% |
| THE GRAHAM COMPANY3 | 30 S 15TH ST PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $28K | — | $28K | 14.68% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 1 PENN SQ W PHILADELPHIA, PA 191024826 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 4.33% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 900 E HAMILTON AVE STE 500 CAMPBELL, CA 950080667 | KAISER FOUNDATION HEALTH PLAN, INC. | $277 | — | $277 | 0.27% |
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 | 4,418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 634 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,601 | $337K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 4,133 | $191K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,255 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,255 | $1.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,255 | $1.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,255 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,255 | — |
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.