| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $10K | $0 | $10K | 4.99% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $0 | $3K | 1.30% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.69% |
| LOCKTON COMPANIES, LLC3 | 1800 JOHN F. KENNEDY BOULEVARD SUITE 1110 PHILADELPHIA, PA 19103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.57% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 1 SOUTH PENN SQUARE PHILADELPHIA, PA 19107 | AFLAC | $2K | $0 | $2K | 3.41% |
| THOMAS R PAQUIN3 Filed as: THOMAS R. PAQUIN AND OTHER AGENTS | 1260 VESTAL AVENUE BINGHAMTON, NY 13903 | AFLAC | $1K | $62 | $1K | 2.24% |
| THOMAS BRZEZINSKI3 Filed as: THOMAS BREZEZINSKI | 99 SUMMIT ROAD SPARTA, NJ 07871 | AFLAC | $795 | $0 | $795 | 1.42% |
| HAYS COMPANIES, INC.3 Filed as: GEORGE J. HAYS | 5 HILLSIDE AVENUE BINGHAMTON, NY 13903 | AFLAC | $679 | $0 | $679 | 1.21% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 30 PARSLER PLACE FORDS, NJ 08863 | AFLAC | $605 | $0 | $605 | 1.08% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 179 SOUTH GLEN ROAD KINNELON, NJ 07405 | AFLAC | $539 | $0 | $539 | 0.96% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA M. D. AGOSTINO | 87A BOORAEM AVENUE JERSEY CITY, NJ 07307 | AFLAC | $350 | $7 | $357 | 0.64% |
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 | 598 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 408 | $64K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 598 | $203K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 598 | $203K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 414 | $351K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 598 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.