| 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 | $39K | $1K | $40K | 27.55% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM WILLIAM A COMPANY | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 3.25% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM WILLIAM A COMPANY | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $11K | — | $11K | 15.00% |
| THE GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 8.32% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM WILLIAM A COMPANY | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $9K | — | $9K | 15.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 6.44% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | — | $2K | 15.05% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $99 | — | $99 | 12.03% |
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 | 570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AFLAC | 146 | $158K |
| Dental | DELTA DENTAL OF NEW YORK | 99 | $21K |
| Vision | AETNA LIFE INSURANCE CO. | 764 | $65K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 570 | $180K |
| Short-term disability(4 contracts, 2 carriers) | AFLAC | 146 | $202K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 570 | $73K |
| Other(4 contracts, 2 carriers) | AFLAC | 570 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 764 | — |
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.