| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $484 | — | $484 | 1.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $151 | $22 | $173 | 0.36% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.47% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $156 | $1K | 3.98% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.94% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $296 | $38 | $334 | 3.69% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $851 | — | $851 | 9.54% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $298 | $32 | $330 | 3.70% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $604 | — | $604 | 9.18% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $510 | — | $510 | 8.53% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $339 | — | $339 | 8.17% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 48 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6 | $48K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44 | $18K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 262 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.