| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | PERSONAL CHOICE | $57K | — | $57K | 5.08% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | INDEPENDENCE BLUE CROSS - KEYSTONE | $4K | — | $4K | 5.31% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 4.92% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.04% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $1K | — | $1K | 6.43% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.48% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.94% |
| THE GRAHAM COMPANY3 | 30 S 15TH STREET PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $374 | — | $374 | 5.31% |
| THE GRAHAM COMPANY3 | 1 PENN SQ W ACCT DEPT 23RD FL PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $221 | — | $221 | 3.14% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $274 | — | $274 | 15.01% |
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 | 202 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PERSONAL CHOICE | 209 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 107 | $56K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 150 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $13K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $16K |
| Prescription drug | INDEPENDENCE BLUE CROSS - KEYSTONE | 19 | $81K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 202 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.