| 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 | UNITED CONCORDIA INSURANCE COMPANY | $17K | — | $17K | 9.38% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $4K | $26K | 47.56% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $169 | $4K | 6.64% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12 STREET 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $14K | 29.16% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.62% |
| ADVANCED VOL CNCPTS INC.3 | 7771 W OAKLAND SUNRISE, FL 33351 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76 | — | $76 | 0.15% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12TH STREET 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $8K | 15.58% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.77% |
| ADVANCED VOL CNCPTS INC.3 | 7771 W OAKLAND SUNRISE, FL 33351 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.13% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 25.26% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 PHILADELPHIA, PA 19170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $143 | $2K | 4.39% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO. | 1 PENN SQUARE WEST PHILADELPHIA, PA 19102 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 22.86% |
| MITCH BESVINICK5 Filed as: MITCH BESVINICK/INNOBENEFITS | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $4K | $4K | 11.43% |
| NATIONAL EMPLOYEE BENEFIT COMPANIES5 | 8500 FREEPORT PKWY S SUITE 450 IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $3K | $3K | 8.66% |
| WEB TPA5 Filed as: WEB TPA EMPLOYER SERVICES LLC | 8500 FREEPORT PKWY S SUITE 400 IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $2K | $2K | 7.39% |
| NEW BENEFITS, LTC3 | 14240 PROTON ROAD DALLAS, TX 75244 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $875 | $875 | 2.69% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $1K | — | $1K | 4.57% |
| ASSUREX3 Filed as: ASSUREX GLOBAL CORP | 175 S 3RD ST STE 800 COLUMBUS, OH 432155194 | VISION SERVICE PLAN | $154 | — | $154 | 0.58% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA LP | 601 WALNUT ST STE 805 PHILADELPHIA, PA 19106 | SUN LIFE ASSURANCE COMPANY OF CANADA | $662 | — | $662 | 5.49% |
| ALPHA BENEFITS GROUP INC3 | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $454 | — | $454 | 3.77% |
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 | 741 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $169K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 646 | $183K |
| Vision | VISION SERVICE PLAN | 328 | $27K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 581 | $68K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $114K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $43K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 581 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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.