| 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 | — | $102K | $102K | 5.02% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| THE GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 5.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.34% |
| JULIA GEORGE3 | 775 NJ-70 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 6.48% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $8 | $2K | 3.06% |
| KIM REED SMITH3 Filed as: KIM HAIST | 803 RALSTON DRIVE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $882 | — | $882 | 1.62% |
| KATHLEEN MURRAY-BARRETT3 | 1002 LAURENCE DR BLUE BELL, PA 19422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $467 | $349 | $816 | 1.50% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $547 | $138 | $685 | 1.26% |
| STEVIE KIRCHER3 | 109 MIDDLESEX ST GLOUCESTER CITY, NJ 08030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $431 | $36 | $467 | 0.86% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | — | $410 | 0.75% |
| KEVIN STANTON3 | 1405 CHEWS LANDING RD LAUREL SPRINGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 0.51% |
| LISA CONNOR3 | 337 WEST AVENUE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.51% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 0.44% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 0.33% |
| LAWRENCE PRICHARD3 | 1204 EATON AVE MIDDLETOWN, OH 45044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 0.28% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC | 402 SPRINGTON WAY LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.20% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.08% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.08% |
| B & C CONSULTING LLC3 Filed as: MJ CONSULTING GROUP | C/O MJ CONSULTING GROUP LAUREL SPRINGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.06% |
| 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 | $680 | — | $680 | 5.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.27% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | 277 | 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) | 279 | 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 | 283 | $2.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 352 | $117K |
| Vision | VISION BENEFITS OF AMERICA | 217 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 277 | $24K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $76K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 59 | $23K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 277 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.