| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM BUILDING ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | 0.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQ WEST 25TH FL PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $220 | $3K | 12.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS, LLC | GALLAGHER VOLUNTARY BENEFITS PO BOX 71542 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $233 | — | $233 | 1.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC | GBS DIVISION 200 JEFFERSON PARK WHIPPANY, NJ 07981 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | — | $155 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2600 S. TELEGRAPH RD. BLOOMFIELD HILLS, MI 48302 | ARAG INSURANCE COMPANY | $953 | — | $953 | 10.00% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | ZURICH AMERICAN INSURANCE COMPANY | $702 | — | $702 | 15.00% |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 194 | $2.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 409 | $100K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 409 | $100K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE | 194 | $2.6M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 409 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.