| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | PERSONAL CHOICE | $50K | $0 | $50K | 5.02% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | INDEPENDENCE BLUE CROSS - KEYSTONE | $7K | $0 | $7K | 5.03% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 5.03% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.70% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 13.68% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.02% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $1K | $0 | $1K | 6.50% |
| THE GRAHAM COMPANY3 | 1 PENN SQ W ACCT DEPT 23RD FL PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $592 | $0 | $592 | 8.66% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE W 25TH FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $301 | — | $301 | 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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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 | 201 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 112 | $57K |
| Vision | VISION SERVICE PLAN | 0 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,011,657 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $18K |
| Prescription drug | INDEPENDENCE BLUE CROSS - KEYSTONE | 18 | $146K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,011,657 | — |
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.