| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE PLYMOUTH MTG, PA 19462 | KEYSTONE HEALTH PLAN EAST | $81K | $15K | $95K | 5.02% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | KEYSTONE HEALTH PLAN EAST | $38K | — | $38K | 1.99% |
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS LLC | 252 N RADNOR CHESTER ROAD 2ND FL ST DAVIDS, PA 19087 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 2.95% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO. | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 2.05% |
| THOMAS J QUIRK3 | 252 N RADNOR CHESTER RD, 2ND FLOOR ST DAVIDS, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.49% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 PHILADELPHIA, PA 19170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $243 | $4K | 4.41% |
| THOMAS J QUIRK3 | 252 N RADNOR CHESTER RD 2ND FL ST DAVIDS, PA 19087 | PROVIDENT LIFE AND ACCIDENTAL INSURANCE COMPANY | $3K | — | $3K | 6.30% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENTAL INSURANCE COMPANY | $3K | — | $3K | 6.30% |
| THORSEN GROUP INC3 | 129 ARBOR RIDGE DRIVE WARRINGTON, PA 18976 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $855 | — | $855 | 3.29% |
| ELITE BROKERAGE SVCS INC3 | 5 GREAT VALLEY PARKWAY MALVERN, PA 19355 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $394 | — | $394 | 1.52% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 0.93% |
| JOHN E LANZETTA3 | 1149 PRESIDENTIAL DRIVE QUAKERTOWN, PA 18951 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 0.59% |
| ANGELA J ROCCO3 | ONE BELMONT AVENUE BALA CYNWYD, PA 19004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.40% |
| NATALIE S LANDRO3 | 765 PERIWINKLE LANE WYNNEWOOD, PA 19096 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.20% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.16% |
| WILIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.14% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.11% |
| DAVID E HAUCK3 | 2878 TREMONTE LANE ALLISON PARK, PA 15101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| SOLOFSKY FINANCIAL GROUP LLC3 | 4030 CHURCH RD EASTON, PA 18045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| THOMAS J QUIRK3 | 252 N RADNOR CHESTER RD, 2ND FLOOR ST DAVIDS, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.98% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 PHILADELPHIA, PA 19170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $55 | $1K | 5.27% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 206 | $2.0M |
| Dental | UNION SECURITY INSURANCE COMPANY | 203 | $101K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $189K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENTAL INSURANCE COMPANY | 156 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $90K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.