| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DRIVE MINNEAPOLIS, MN 55416 | HIGHMARK, INC. | $56K | — | $56K | 3.32% |
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQ W PHILADELPHIA, PA 19102 | HIGHMARK, INC. | $17K | — | $17K | 1.01% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $369 | $5K | 5.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.40% |
| KC WOOD3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.70% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 111 CONTINENTAL DRIVE SUITE 405 NEWARK, DE 19713 | COMBINED INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.87% |
| WRI EMPLOYERS INS INC3 Filed as: WRI EMPLOYERS INSURANCE INC | — | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.59% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON LLC | 840 GESSNER RD STE 700 HOUSTON, TX 77024 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.30% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM GRAHAM COMPANY | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.13% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INSURANCE LLC | — | COMBINED INSURANCE COMPANY OF AMERICA | -$5 | — | -$5 | -0.01% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES INC | 225 N SHORE DR PITTSBURGH, PA 15212 | COMBINED INSURANCE COMPANY OF AMERICA | -$10 | — | -$10 | -0.02% |
| TRACEY HINRICHS3 | — | COMBINED INSURANCE COMPANY OF AMERICA | -$24 | — | -$24 | -0.05% |
| WILLIAM A GRAHAM COMPANY2 | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | COMBINED INSURANCE | $12K | — | $12K | 46.02% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 840 GESSNER RD STE 700 HOUSTON, TX 77024 | COMBINED INSURANCE | $2K | — | $2K | 8.92% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 111 CONTINENTAL DRIVE SUITE 405 NEWARK, DE 19713 | COMBINED INSURANCE | $616 | — | $616 | 2.28% |
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 | 200 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK, INC. | 232 | $1.7M |
| Dental(2 contracts, 2 carriers) | HIGHMARK, INC. | 232 | $1.8M |
| Vision(2 contracts, 2 carriers) | HIGHMARK, INC. | 232 | $1.8M |
| Life insurance | COMBINED INSURANCE | 39 | $27K |
| Prescription drug | HIGHMARK, INC. | 232 | $1.7M |
| Other(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 187 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
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.