| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | KEYSTONE HEALTH PLAN EAST | $44K | — | $44K | 2.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION A MARSH & MCLENNAN AGY LLC CO | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | KEYSTONE HEALTH PLAN EAST | $41K | $2K | $43K | 2.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $4K | -$1 | $4K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION A MARSH & MCLENNAN AGY LLC CO | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | INDEPENDENCE BLUE CROSS | $2K | $147 | $2K | 2.90% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | INDEPENDENCE BLUE CROSS | $2K | — | $2K | 2.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVE OF THE AMERICANS NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 54.20% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 9.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $876 | $876 | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN COMPANIES, INC. | ONE PENN SQUARE WEST STE 2500 PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $739 | — | $739 | 5.00% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 243 | $1.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 208 | $80K |
| Vision | VISION BENEFITS OF AMERICA | 184 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 243 | $35K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 243 | $35K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 243 | $35K |
| Other | HARTFORD LIFE AND ACCIDENT | 243 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.