| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY MARSH & MCLENNAN | ONE PENN SQUARE WEST SUITE 2500 PHILADELPHIA, PA 19102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $54K | — | $54K | 4.77% |
| MARSH & MCLENNAN AGENCY LLC3 | GRAHAM COMPANY ONE PENN SQ. WEST, FL. 25 PHILADELPHIA, PA 19102 | TRANSAMERICA LIFE INSURANCE COMPANY | $103K | — | $103K | 14.59% |
| DISABILITY RMS5 | P.O. BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $34K | $34K | 13.50% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE PENN SQ WEST FL 25 PHILADELPHIA, PA 19102 | TRANSAMERICA LIFE INSURANCE COMPANY | $30K | — | $30K | 12.00% |
| DISABILITY RMS5 | P.O. BOX 9757 PORTLAND, ME 04104 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $25K | $25K | 13.50% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE PENN SQ WEST FL 25 PHILADELPHIA, PA 19102 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | — | $23K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY, A MARSH & MCLENNAN | ONE PENN SQUARE WEST SUITE 2500 PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $12K | — | $12K | 9.06% |
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 | 1,526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,526 | $704K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,549 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 2,924 | $128K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 1,526 | $704K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 1,800 | $188K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 2,220 | $248K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 1,526 | $704K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,924 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.