| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | INDEPENDENCE BLUE CROSS | $25K | — | $25K | 8.50% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY | ASSOCIATES 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $468 | $1K | $2K | 0.61% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | INDEPENDENCE BLUE CROSS | $11K | — | $11K | 6.33% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | INDEPENDENCE BLUE CROSS | $4K | $1K | $5K | 2.95% |
| WILLIAM A GRAHAM COMPANY3 | DBA THE GRAHAM COMPANY ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.71% |
| JS BENEFITS GROUP INC3 | 54 FRIENDS LN STE 121 NEWTOWN, PA 189403403 | PRINCIPAL LIFE INSURANCE COMPANY | $871 | — | $871 | 2.29% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | PRINCIPAL LIFE INSURANCE COMPANY | $683 | — | $683 | 1.79% |
| WILLIAM A GRAHAM COMPANY3 | DBA THE GRAHAM COMPANY ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | THE GRAHAM COMPANY ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | $770 | — | $770 | 13.85% |
| DONALD C SAVOY INC3 | 25 HANOVER RD #B STE 220 FLORHAM PARK, NJ 079321424 | METROPOLITAN LIFE INSURANCE COMPANY | $212 | $40 | $252 | 4.53% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $351 | — | $351 | 6.56% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25B HANOVER RD STE 220 FLORHAM, NJ 079321443 | VISION SERVICE PLAN | $182 | — | $182 | 3.40% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $352 | — | $352 | 9.30% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENCE BLUE CROSS | 120 | $458K |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $73K |
| Vision(2 contracts) | VISION SERVICE PLAN | 96 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $6K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 245 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
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.