| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $49K | $941 | $50K | 36.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $831 | $5K | 5.48% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY STE 2 HAWTHORNE, NY 105321253 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $489 | $5K | 8.83% |
| WILLIAM A GRAHAM COMPANY3 | AMIT SHAH - ACCOUNTING 25TH ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $365 | $7K | 15.80% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 12.00% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $330 | — | $330 | 22.03% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $227 | $19 | $246 | 16.57% |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | AFLAC | 127 | $155K |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 872 | $426K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 363 | $82K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 730 | $131K |
| Short-term disability(4 contracts) | AFLAC | 127 | $155K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 730 | $57K |
| Other(5 contracts, 2 carriers) | AFLAC | 730 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.