| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | 30 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 4.15% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 4.02% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 8.33% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $877 | — | $877 | 1.67% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.41% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $655 | — | $655 | 1.59% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $696 | — | $696 | 3.37% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | VISION BENEFITS OF AMERICA | $336 | — | $336 | 1.63% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST, 25TH FLOOR PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $284 | $4K | 27.71% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.10% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $723 | — | $723 | 12.55% |
| HOLMES MURPHY & ASSOCIATES3 | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $141 | — | $141 | 2.45% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 277 | $113K |
| Vision | VISION BENEFITS OF AMERICA | 107 | $21K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 212 | $44K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 212 | $52K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
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.