| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLAIM A GRAHAM CO3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $87K | $87K | 5.00% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 1.80% |
| THE GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | DELTA DENTAL OF PENNSYLVANIA | $5K | — | $5K | 5.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.92% |
| JULIA GEORGE3 | 160 MERION AVENUE NARBERTH, PA 19072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 7.94% |
| KIM REED SMITH3 Filed as: KIM HAIST | 803 RALSTON DRIVE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $91 | $3K | 4.38% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.33% |
| MERIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $791 | $1K | $2K | 3.21% |
| KEVIN STANTON3 | 1405 CHEWS LANDING RD LAUREL SPRINGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $785 | $344 | $1K | 1.83% |
| STEVIE KIRCHER3 Filed as: STEVIE KIRCER | 109 MIDDLESEX ST GLOUCESTER CITY, NJ 08030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $700 | $82 | $782 | 1.27% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 2218 RACE STREET PHILADELPHIA, PA 19103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $515 | — | $515 | 0.84% |
| LISA CONNOR3 | 337 WEST AVENUE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | — | $354 | 0.57% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC | 402 SPRINGTON WAY LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $334 | — | $334 | 0.54% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | — | $286 | 0.46% |
| LAWRENCE PRICHARD3 | 110 BRIDAL PATH NEW HOLLAND, PA 17557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 0.31% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.10% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.10% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $601 | — | $601 | 5.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.69% |
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 | 258 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 264 | $1.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 335 | $107K |
| Vision | VISION BENEFITS OF AMERICA | 211 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 253 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $63K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $18K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 253 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
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.