| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE CO. | — | $34K | $34K | 3.86% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | AETNA LIFE INSURANCE CO. | — | $12K | $12K | 1.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 751 ARBOY WAY #250 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.98% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $306 | $2K | 1.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 022413207 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $73 | $3K | 3.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | — | $884 | $884 | 1.03% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | $384 | — | $384 | 0.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 751 ARBOY WAY #250 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.45% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $799 | — | $799 | 3.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 1800 JOHN F KENNEDY BLVD STE 1110 PHILADELPHIA, PA 19103 | VISION BENEFITS OF AMERICA | $336 | — | $336 | 3.32% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $170 | — | $170 | 1.68% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 138 | $915K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 273 | $86K |
| Vision | VISION BENEFITS OF AMERICA | 75 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $165K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $165K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $165K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 138 | $892K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.