| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | PO BOX 7247 PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 8.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES (NC) INC | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 6.54% |
| WIILIAM A GRAHAM COMPANY3 | PO BOX 7933 PHILADELPHIA, PA 19170 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.01% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $106 | $106 | 0.09% |
| WILLIAM A GRAHAM COMPANY3 | DBA THE GRAHAM COMPANY ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | DELTA DENTAL OF NORTH CAROLINA | $8K | — | $8K | 8.80% |
| NFP INSURANCE SERVICES INC3 | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | DELTA DENTAL OF NORTH CAROLINA | $4K | — | $4K | 4.21% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $925 | — | $925 | 3.62% |
| NFP INSURANCE SERVICES INC3 | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | VISION SERVICE PLAN | $223 | — | $223 | 0.87% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 331 | $90K |
| Vision | VISION SERVICE PLAN | 156 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 306 | $119K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 306 | $119K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 306 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.