| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | PO BOX 7933 PHILADELPHIA, PA 19170 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $54K | $59K | 3.46% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4000 MIDLANTIC AVE SUITE 300 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $135 | $135 | 0.34% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $4K | $104 | $4K | 13.36% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4000 MIDLANTIC AVE SUITE 300 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $39 | $39 | 0.28% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4000 MIDLANTIC AVE SUITE 300 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $44 | $44 | 0.38% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $684 | — | $684 | 7.87% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $147 | — | $147 | 5.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 4000 MIDLANTIC AVE SUITE 300 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $11 | $11 | 0.38% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | PO BOX 7247, MAIL CODE 7933 PHILADELPHIA, PA 19170 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $128 | — | $128 | 6.98% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | PO BOX 7247, MAIL CODE 7933 PHILADELPHIA, PA 19170 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $3 | — | $3 | 6.00% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 104 | $1.7M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 104 | $1.7M |
| Vision | VISION SERVICE PLAN | 103 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $40K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 120 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 120 | $14K |
| Other(2 contracts, 2 carriers) | AFLAC | 152 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.