| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7844 LANCASTER, PA 17604 | STANDARD INSURANCE COMPANY | $27K | $13K | $40K | 9.51% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE PENN SQ WEST FL 25 PHILADELPHIA, PA 19102 | STANDARD INSURANCE COMPANY | $24K | $8K | $32K | 7.45% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7844 LANCASTER, PA 17604 | STANDARD INSURANCE COMPANY | $56K | $12K | $68K | 19.68% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE PENN SQ WEST FL 25 PHILADELPHIA, PA 19102 | STANDARD INSURANCE COMPANY | $40K | $6K | $47K | 13.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN COMPANIES INC | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $10K | — | $10K | 3.26% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $4K | — | $4K | 1.87% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7844 LANCASTER, PA 17604 | STANDARD INSURANCE COMPANY | $20K | $6K | $25K | 13.63% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE PENN SQ WEST FL 25 PHILADELPHIA, PA 19102 | STANDARD INSURANCE COMPANY | $17K | $3K | $21K | 11.32% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA GRAHAM COMPANY 1 PENN SQ W FL 25 PHILADELPHIA, PA 191024802 | AMERITAS LIFE INSURANCE CORP. | $692 | — | $692 | 0.38% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 1PENN SQ W PHILADELPHIA, PA 191024826 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 4.97% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | 1 PENN SQ W PHILADELPHIA, PA 191024826 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 5.16% |
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 | 4,325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 779 | $1.1M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 3,088 | $181K |
| Life insurance | STANDARD INSURANCE COMPANY | 4,325 | $425K |
| Long-term disability | STANDARD INSURANCE COMPANY | 745 | $185K |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 4,325 | $773K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,325 | — |
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.