| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 4.82% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 1.68% |
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVE OF THE AMERICANS NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $6K | $284 | $6K | 10.49% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE PENN SQUARE PHILADELPHIA, PA 19102 | DELTA DENTAL OF PENNSYLVANIA | $659 | — | $659 | 4.94% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE PHILADELPHIA, PA 19102 | DELTA DENTAL OF PENNSYLVANIA | $208 | — | $208 | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN COMPANIES, INC. | 1 PENN SQUARE W. STE 2500 PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $603 | — | $603 | 4.59% |
| THE GRAHAM COMPANY3 | 35 SOUTH 15TH STREET SUITE 25 PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $53 | — | $53 | 0.40% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL & JOHNSON, INC. | 109 PHEASANT RUN NEWTOWN, PA 18940 | FEDERAL INSURANCE COMPANY | $100 | — | $100 | 20.00% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 189 | $102K |
| Vision | VISION BENEFITS OF AMERICA | 177 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 214 | $57K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 214 | $57K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 214 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.