| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | KEYSTONE HEALTH PLAN EAST | $99K | — | $99K | 4.85% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $821 | $9K | 7.83% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 5.01% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | INDEPENDENCE BLUE CROSS | $4K | — | $4K | 5.71% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $136 | $2K | 4.45% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $770 | — | $770 | 2.03% |
| QUIRK, THOMAS, J3 | 512 W LANCASTER AVE STE C WAYNE, PA 19087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $704 | — | $704 | 1.86% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.33% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $113 | $113 | 0.30% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $132 | $3K | 14.44% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH STREET PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $812 | — | $812 | 5.00% |
| THORSEN GROUP INC3 | 129 ARBOR RIDGE DRIVE WARRINGTON, PA 18976 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 1.79% |
| CATHY GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | — | $207 | 1.56% |
| ELITE BROKERAGE SVCS INC3 | 5 GREAT VALLEY PARKWAY MALVERN, PA 19355 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | — | $170 | 1.28% |
| JOHN E LANZETTA3 | 3272 KATIE WAY MECHANICSBURG, PA 17055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.50% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.32% |
| WILIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.24% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.21% |
| DAVID E HAUCK3 | 5125 SHORELINE WAY VERMILLION, OH 44089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| SOLOFSKY FINANCIAL GROUP LLC3 | 4030 CHURCH RD EASTON, PA 18045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
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 | 241 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KEYSTONE HEALTH PLAN EAST | 198 | $2.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 263 | $98K |
| Vision | VISION BENEFITS OF AMERICA | 218 | $16K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $180K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 114 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $110K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 241 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.