| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | AETNA LIFE INSURANCE COMPANY | $39K | $0 | $39K | 4.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2000 OXFORD DRIVE, SUITE 520 BETHEL PARK, PA 15102 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.86% |
| WILLIAM A GRAHAM COMPANY3 | 601 UNION STREET SEATTLE, WA 98101 | AETNA LIFE INSURANCE COMPANY | $0 | $102 | $102 | 0.01% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST ATTENTION AMIT SHAH ACCOUNTING PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $285 | $5K | 12.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | $1 | $18 | 0.04% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $442 | $0 | $442 | 4.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | VISION BENEFITS OF AMERICA | $88 | $0 | $88 | 0.83% |
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 | 32 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 148 | $840K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 159 | $59K |
| Vision | VISION BENEFITS OF AMERICA | 105 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71 | $43K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71 | $43K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 148 | $840K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.