| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.25% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.11% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | $6 | $497 | 4.70% |
| JS BENEFITS GROUP INC3 | 7 WINDY KNOLL DRIVE RICHBORO, PA 18954 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | — | $257 | 2.43% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $54 | $245 | 2.32% |
| JULIA GEORGE3 | 775 NJ-70 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $138 | $228 | 2.16% |
| HARRY LORE3 | 4 GLANFORD CROSSING MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 1.94% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $20 | $129 | 1.22% |
| JOSHUA CARMEN CARFAGNO3 | 8233 WILSON ST PHILADELPHIA, PA 19149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $7 | $95 | 0.90% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.85% |
| B & C CONSULTING LLC3 Filed as: MJ CONSULTING GROUP | C/O MJ CONSULTING GROUP LAUREL SPRINGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.54% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $19 | $44 | 0.42% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC TA SAVOY ASSOCIA | 25B HANOVER RD FLORHAM PARK, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.30% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.30% |
| GREGORY WIESMORE3 | 46 FAWN HOLLOW LANE MULLICA HILL, NJ 08062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.13% |
| KEVIN STANTON3 | 1405 CHEWS LANDING RD LAUREL SPRINGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.11% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION SERVICE PLAN | $577 | — | $577 | 7.25% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | THE GRAHAM COMPANY ONE PENN SQUARE WEST PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | $796 | — | $796 | 10.61% |
| DONALD C SAVOY INC3 | 25 HANOVER RD #B STE 220 FLORHAM PARK, NJ 079321424 | METROPOLITAN LIFE INSURANCE COMPANY | $248 | $22 | $270 | 3.60% |
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 | 237 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 13 | $11K |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $58K |
| Vision | VISION SERVICE PLAN | 95 | $8K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 211 | $18K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 13 | $11K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 211 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.