| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 555 E. LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $97K | — | $97K | 4.23% |
| AON CONSULTING INC3 | 555 E. LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | KEYSTONE | $14K | — | $14K | 2.91% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM WILLIAM A COMPANY | PO BOX 7247 MAIL CODE 7933 PHILADELPHIA, PA 191707933 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 2.07% |
| ROBERT WEST3 | 59 WILLIAM FEATHER DRIVE VOORHEES, NJ 08043 | HARTFORD LIFE AND ACCIDENT | $1K | $665 | $2K | 0.96% |
| VF ASSOCIATES INC3 | SUITE 103 800 ENTERPRISE ROAD HORSHAM, PA 19044 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.54% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.81% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.07% |
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 | 241 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 298 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 396 | $114K |
| Vision | INDEPENDENCE BLUE CROSS | 298 | $2.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 318 | $124K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 225 | $223K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 298 | $2.3M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 318 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
No prospect flags tripped on this filing.