| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 3.75% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HARDENBERGH INSURNCE GRP | PO BOX 8000 MARLTON, NJ 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 3.69% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 2.40% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HARDENBERGH INSURNCE GRP | PO BOX 8000 MARLTON, NJ 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.53% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | THE GRAHAM BUILDING 30 S 15TH ST PHILADELPHIA, PA 19102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.40% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 2.02% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 11.68% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $286 | $3K | 3.87% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $265 | $3K | 3.83% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 9.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $247 | $2K | 3.84% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.97% |
| INSGROUP INC3 Filed as: HARDENBERGH INSURANCE GROUP IN | PO BOX 8000 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.03% |
| THE GRAHAM COMPANY3 | 35 SOUTH 15TH ST SUITE 25 PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $332 | — | $332 | 2.50% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INSURANCE GROUP, INC. | 8000 SAGEMORE DRIVE MARLTON, NJ 08053 | VISION BENEFITS OF AMERICA | $332 | — | $332 | 2.50% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.76% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $379 | $42 | $421 | 3.87% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $971 | — | $971 | 9.31% |
| EASLICK, ARTHUR, DOUGLAS3 | THE GRAHAM BUILDING 1 PENN SQ W PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $375 | — | $375 | 3.60% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 2.15% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INSURANCE GROUP INC | PO BOX 8000 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.19% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST 25TH FLOOR PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $428 | — | $428 | 9.40% |
| EASLICK, ARTHUR, DOUGLAS3 | THE GRAHAM BUILDING 1 PENN SQ W PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 2.53% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 1.87% |
| INSGROUP INC3 Filed as: HARDENBERGH INSURANCE GROUP IN | PO BOX 8000 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $357 | — | $357 | 8.84% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $249 | — | $249 | 6.17% |
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 | 164 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $669K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 113 | $96K |
| Vision | VISION BENEFITS OF AMERICA | 102 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $74K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 164 | $69K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.