| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1166 AVE OF THE AMERICANS NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $46K | — | $46K | 15.38% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 3.78% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | DELTA DENTAL OF PENNSYLVANIA | $9K | — | $9K | 5.00% |
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQ W PHILADELPHIA, PA 191022566 | VISION SERVICE PLAN | $2K | — | $2K | 5.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN COMPANIES INC | ONE PENN SQUARE WEST STE 2500 PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $439 | — | $439 | 1.24% |
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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 668 | $301K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 659 | $176K |
| Vision | VISION SERVICE PLAN | 349 | $35K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 668 | $301K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 668 | $301K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 668 | $301K |
| Other | HARTFORD LIFE AND ACCIDENT | 668 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 668 | — |
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.