| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 PHILADELPHIA, PA 191707933 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 15.00% |
| COMPSYCH5 | 435 N CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 606115322 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $985 | $985 | 0.74% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE STE 1100 CHICAGO, IA 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $43 | $43 | 0.03% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 7.98% |
| THE GRAHAM COMPANY3 | 30 S 15TH STREET PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | — | $2K | 9.98% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 14.34% |
| JULIA GEORGE3 | 775 NJ-70 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | $522 | $906 | 11.61% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | $99 | $468 | 6.00% |
| KEVIN STANTON3 | 1405 CHEWS LANDING RD LAUREL SPRONGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 1.54% |
| MARK BOOS3 | 4081 RT 202 APT 2A DOYLESTOWN, PA 18902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 1.05% |
| JOSHUA CARMEN CARFAGNO3 | 8233 WILSON ST PHILADELPHIA, PA 19149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $1 | $76 | 0.97% |
| B & C CONSULTING LLC3 Filed as: MJ CONSULTING GROUP | C/O MJ CONSULTING GROUP LAUREL SPRINGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.86% |
| KATHLEEN MURRAY-BARRETT3 | 1002 LAURENCE DR BLUE BELL, PA 19422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $13 | $63 | 0.81% |
| STEVIE KIRCHER3 | 109 MIDDLESEX ST GLOUCESTER CITY, NJ 08030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $4 | $50 | 0.64% |
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 | 129 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 32 | $8K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 264 | $76K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 202 | $15K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 169 | $141K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 169 | $133K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 169 | $133K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 169 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.