| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $63K | $12K | $75K | 17.32% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.19% |
| WILLIAM A GRAHAM COMPANY3 | 7933 PO BOX 7247 PHILADELPHIA, PA 191707933 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 70.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 51.08% |
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM COMPANY ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $368 | $2K | 27.59% |
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM COMPANY ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $356 | $2K | 38.63% |
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM COMPANY ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $301 | $2K | 45.38% |
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 | 603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 207 | $97K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 516 | $225K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 718 | $46K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 782 | $448K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 782 | $433K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 782 | $433K |
| Other(5 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 782 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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.