| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GRAHAM COMPANY3 | 1 PENN SQUARE WEST PHILADELPHIA, PA 19102 | KEYSTONE HEALTH PLAN EAST | $0 | — | $0 | 0.00% |
| RADNOR BENEFITS GROUP INC3 | 1500 LIBERTY RIDGE DR STE 321 WAYNE, PA 19087 | HM LIFE INSURANCE COMPANY | $74K | — | $74K | 8.57% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM GRAHAM CO | THE GRAHAM BLDG ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | HM LIFE INSURANCE COMPANY | $7K | — | $7K | 0.86% |
| THE GRAHAM COMPANY3 | 1 PENN SQUARE WEST PHILADELPHIA, PA 19102 | INDEPENDENCE BLUE CROSS | $0 | — | $0 | 0.00% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 CHESTERBROOK, PA 19087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 20.80% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.90% |
| RADNOR BENEFITS GROUP INC3 | 1500 LIBERTY RIDGE DRIVE WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $931 | — | $931 | 3.75% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $309 | — | $309 | 1.25% |
| RADNOR BENEFITS GROUP INC3 | 1500 LIBERTY RIDGE DR STE 250 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | — |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 MAIL CODE 7933 PHILADELPHIA, PA 191707933 | HARTFORD LIFE AND ACCIDENT | $805 | — | $805 | — |
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 | 718 | 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) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 617 | $3.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 434 | $36K |
| Vision(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 617 | $3.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 740 | $0 |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 482 | $11K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 740 | $0 |
| Prescription drug(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 617 | $3.6M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 449 | $864K |
| Other | HARTFORD LIFE AND ACCIDENT | 740 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.