| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NA | $5K | — | $5K | 5.00% |
| THE GRAHAM COMPANY3 | 30 S 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NA | $5K | — | $5K | 7.92% |
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQ W PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $2K | — | $2K | 4.00% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH STREET 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NA | $4K | — | $4K | 9.73% |
| THE GRAHAM COMPANY3 | 30 S 15TH STREET 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NA | $931 | — | $931 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 DENTAL CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $42K |
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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 456 | $43K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NA | 581 | $122K |
| Short-term disability | LIFE INSURANCE COMPANY OF NA | 163 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NA | 581 | $42K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 444 | $640K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NA | 581 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.