| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | 1 PENN SQ W PHILADELPHIA, PA 19102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | $5K | $54K | 14.85% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | PO BOX 7247 MAIL CODE 7933 PHILADELPHIA, PA 19170 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 6.91% |
| THE GRAHAM COMPANY3 | 30 S 15TH STREET PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $793 | — | $793 | 7.19% |
| THE GRAHAM COMPANY3 | 1 PENN SQ W, ACCT DEPT 23RD FL PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $380 | — | $380 | 3.45% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $892 | — | $892 | 10.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM CO DBA THE GRAHAM | THE GRAHAM BUILDING ONE PENN SQUARE WEST, 25TH FLOOR PHILADELPHIA, PA 19102 | DELTA DENTAL OF NJ, INC. | $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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $362K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 91 | $68K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 147 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $9K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $362K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.