| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | THE GRAHAM BUILDING ONE PENN SQUARE WEST PHILADELPHIA, PA 19122 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $47K | — | $47K | 2.36% |
| ESSA ADVISORY SERVICES, LLC3 | 5 HIGHLAND AVE STE D BETHLEHEM, PA 18017 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $33K | — | $33K | 1.64% |
| ESSA ADVISORY SERVICES, LLC3 Filed as: ESSA ADVISORY SERVICES LLC | 414 W BROAD ST BETHLEHEM, PA 18018 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 7.61% |
| ESSA ADVISORY SERVICES, LLC3 Filed as: ESSA ADVISORY SERVICES LLC | 414 W BROAD ST BETHLEHEM, PA 18018 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 7.39% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNION SECURITY INSURANCE COMPANY | $2K | $2K | $4K | 29.67% |
| ESSA ADVISORY SERVICES, LLC3 Filed as: ESSA ADVISORY SERVICES LLC | 5 HIGHLAND AVE STE D BETHLEHEM, PA 18017 | SECURITY LIFE INSURANCE COMPANY | $0 | — | $0 | — |
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 | 160 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 145 | $2.0M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 145 | $2.0M |
| Life insurance(4 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 160 | $63K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 160 | $12K |
| Long-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 40 | $51K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 145 | $2.0M |
| Other(4 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 160 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
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.