| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GRAHAM COMPANY3 | 1 PENN SQUARE WEST PHILADELPHIA, PA 19102 | KEYSTONE HEALTH PLAN EAST | $90K | — | $90K | 3.47% |
| THE GRAHAM COMPANY3 | 1 PENN SQUARE WEST PHILADELPHIA, PA 19102 | INDEPENDENCE BLUE CROSS | $64K | — | $64K | 5.36% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 27.70% |
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQ W PHILADELPHIA, PA 191024826 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $518 | $6K | 16.32% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM GRAHAM CO | 1 PENN SQ W PHILADELPHIA, PA 191024826 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $612 | $6K | 16.68% |
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQ W PHILADELPHIA, PA 191024826 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $419 | $5K | 16.42% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.00% |
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQ W PHILADELPHIA, PA 191024826 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $316 | $316 | 1.79% |
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 | 639 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 390 | $3.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 488 | $40K |
| Vision(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 417 | $2.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 733 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 570 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 570 | $36K |
| Prescription drug(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 390 | $3.8M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 733 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.