| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 13.15% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD STREET SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.02% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 11.53% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CNCPTS INC | 75 S BROADWAY WHITE PLAINS, NY 10601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.47% |
| ADVANCED VOL CNCPTS INC.3 | 75 S BROADWAY WHITE PLAINS, NY 10601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 22.53% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 11.22% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12TH STREET 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.79% |
| ADVANCED VOL CNCPTS INC.3 | 75 S BROADWAY WHITE PLAINS, NY 10601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 33.21% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 19.75% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12 STREET 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 16.54% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $5K | $30K | 82.26% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 PHILADELPHIA, PA 19170 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $602 | $9K | 23.77% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 00837 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.48% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO. | 1 PENN SQUARE WEST 30 SOUTH 15TH PHILADELPHIA, PA 19102 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.47% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $879 | — | $879 | 2.91% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 49.87% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 PHILADELPHIA, PA 19170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $433 | $4K | 15.27% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.43% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CNCPTS INC | 75 S BROADWAY WHITE PLAINS, NY 10601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $598 | — | $598 | 2.57% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| ASSUREX3 Filed as: ASSUREX GLOBAL CORP | 175 S 3RD ST STE 800 COLUMBUS, OH 432155194 | VISION SERVICE PLAN | $568 | — | $568 | 2.50% |
| ALPHA BENEFITS GROUP INC3 | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 10.17% |
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 | 603 | 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) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $173K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 381 | $139K |
| Vision | VISION SERVICE PLAN | 280 | $23K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 561 | $47K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 251 | $78K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $23K |
| Other(6 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 561 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.