| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQ W PHILADELPHIA, PA 19102 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $84K | $88K | 5.86% |
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 MAIL CODE 7933 PHILADELPHIA, PA 191707933 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 15.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | THE GRAHAM BUILDING ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 15.00% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 4.16% |
| MERRIDITH STANTON3 | 456 LAKE COMO DR POMONA PARK, FL 32181 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $1 | $39 | 1.93% |
| STEVIE KIRCHER3 | 22221 STRUWIN RD BATTLE CREEK, MI 49017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 1.04% |
| JULIA GEORGE3 | 123 WINCHESTER ROAD MERION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.94% |
| ERNESTO MCKENZIE JR3 | 8293 WB AND A RD SEVERN, MD 21144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.45% |
| KEVIN STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.20% |
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 | 174 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 340 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 340 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 340 | $1.5M |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 212 | $126K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 212 | $123K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 212 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.