| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| TIMOTHY FULMER3 | FULMER ASSOCIATES 4142 DICKEY ROAD GIBSONIA, PA 15044 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| REED, WERTZ & ROADMAN3 Filed as: REED WERTZ AND ROADMAN INC. | P.O. BOX 640 BEDFORD, PA 15522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 3.20% |
| NATALIE S LANDRO3 Filed as: NATALIE S. LANDRO | 765 PERIWINKLE LANE WYNNEWOOD, PA 19096 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.83% |
| DAVID E HAUCK3 Filed as: DAVID E. HAUCK | 2878 TREMONTE LANE ALLISON PARK, PA 15101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.46% |
| TIMOTHY J SLATER3 Filed as: TIMOTHY J. SLATER | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.46% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 1,964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS (PERSONAL CHOICE) | 335 | $2.2M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 665 | $195K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS (PERSONAL CHOICE) | 345 | $2.3M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $73K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 35 | $17K |
| Prescription drug | INDEPENDENCE BLUE CROSS (PERSONAL CHOICE) | 335 | $2.2M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 665 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.