| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GRAHAM COMPANY3 Filed as: GRAHAM WILLIAM A COMPANY | 1 PENN SQ W PHILADELPHIA, PA 191024826 | UNITEDHEALTHCARE INSURANCE COMPANY | $71K | — | $71K | 6.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 4.96% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM COMPANY | THE GRAHAM BUILDING ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | HARTFORD LIFE AND ACCIDENT | $9K | $804 | $10K | 16.38% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 1.60% |
| EVAN BELAGA3 | 3 STEFFEN POINT HTS ANNAPOLIS, MD 21401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.58% |
| COLLEEN A VOGAN3 Filed as: COLLEEN A. VOGAN | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.41% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $1.2M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 259 | $98K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 190 | $62K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 190 | $58K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 190 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.