| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS - SEE ATTACHED LIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53K | $15K | $69K | 61.15% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS - SEE ATTACHED LIST | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $36K | $4K | $40K | 45.37% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $4K | — | $4K | 7.80% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | TELADOC, INC. | $7K | — | $7K | 14.99% |
| STANTON, MERRIDITH3 Filed as: STANTON, MERRIDITH COXE | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $566 | — | $566 | 3.16% |
| B & C CONSULTING LLC3 Filed as: MJ CONSULTING GROUP, INC. | 1405 CHEWS LANDING RD STE 7 LAUREL SPRINGS, NJ 08021 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $330 | — | $330 | 1.84% |
| TIMOTHY FULMER3 | FULMER ASSOCIATES 4142 DICKEY ROAD GIBSONIA, PA 15044 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 3,261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3,261 | $160K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 902 | $289K |
| Vision | VISION SERVICE PLAN | 529 | $52K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $97K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 142 | $200K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 50 | $35K |
| Other(5 contracts, 5 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3,261 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,261 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.