| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GRAHAM COMPANY3 | PO BOX 7247 PHILADELPHIA, PA 19170 | AETNA LIFE INSURANCE COMPANY | — | $159K | $159K | 4.39% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | — | $31K | $31K | 0.87% |
| LOCKTON COMPANIES, LLC3 | 1800 JOHN F. KENNEDY BOULEVARD SUITE 1100 PHILADELPHIA, PA 19103 | DENTAL DENTAL OF NEW JERSEY, INC. | $848 | — | $848 | 6.88% |
| LOCKTON COMPANIES, LLC3 | 1800 JOHN F. KENNEDY BOULEVARD SUITE 1100 PHILADELPHIA, PA 19103 | FLAGSHIP HEALTH SYSTEMS | $91 | — | $91 | 2.89% |
| LOCKTON COMPANIES, LLC3 | 1800 JOHN F. KENNEDY BOULEVARD SUITE 1100 PHILADELPHIA, PA 19103 | EYEMED VISION CARE | $126 | — | $126 | 5.02% |
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 | 491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 566 | $3.6M |
| Dental(2 contracts, 2 carriers) | DENTAL DENTAL OF NEW JERSEY, INC. | 259 | $15K |
| Vision | EYEMED VISION CARE | 477 | $3K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 566 | $3.6M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 566 | $3.6M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 566 | $3.6M |
| Other | AETNA LIFE INSURANCE COMPANY | 566 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.