| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 | DBA THE GRAHAM COMPANY ONE PENN SQUARE W PHILADELPHIA, PA 19102 | PRINCIPAL LIFE INSURANCE COMPANY | $166K | — | $166K | 10.00% |
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQUARE WEST PHILADELPHIA, PA 19102 | TRANSAMERICA LIFE INSURANCE COMPANY | $34K | — | $34K | 18.75% |
| MERRIDITH C STANTON3 | 1405 CHEWS LANDING RD #7 CLEMENTON, NJ 08021 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 7.03% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 4.29% |
| FRANCIS J GRUBE III3 | 4385 HUNTING TRAIL LAKE WORTH, FL 33467 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.19% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 080371363 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.88% |
| JULIA GEORGE3 Filed as: JULIA M GEORGE | 1405 CHEWS LANDING RD STE 7 CLEMENTON, NJ 08021 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.59% |
| PAMELA GREGG3 Filed as: PAMELA K GREGG | 15001 SAINT THOMAS CHURCH RD UPPER MARLBORO, MD 20772 | TRANSAMERICA LIFE INSURANCE COMPANY | $673 | — | $673 | 0.37% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | ONE BELMONT AVE. STE 304 GSB BUILDING BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $505 | — | $505 | 0.28% |
| ESTELLA L MILES3 | 1025 THUNDERBIRD DR DAYTONA BEACH, FL 32117 | TRANSAMERICA LIFE INSURANCE COMPANY | $470 | — | $470 | 0.26% |
| FRANK J MARASA3 | 15 CLEMENS LANE BLACKWOOD, NJ 08012 | TRANSAMERICA LIFE INSURANCE COMPANY | $375 | — | $375 | 0.21% |
| DONALD R JAWORSKI3 | 9691 SW 76 LANE ROAD OCALA, FL 34481 | TRANSAMERICA LIFE INSURANCE COMPANY | $150 | — | $150 | 0.08% |
| EILEEN ELSA HILL3 Filed as: EILEEN HILL | 265 COOL BRANCH BLVD SEAFORD, DE 19973 | TRANSAMERICA LIFE INSURANCE COMPANY | $123 | — | $123 | 0.07% |
| LARRY WELCH3 Filed as: LARRY W WELCH | 5004 HAWTHORNE PLACE CHELSEA, AL 35043 | TRANSAMERICA LIFE INSURANCE COMPANY | $116 | — | $116 | 0.06% |
| WILLIAM WAYNE STIGILE3 Filed as: WILLIAM W STIGILE | 514 GRINDSTONE WOODBRIDGE, CA 95258 | TRANSAMERICA LIFE INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| TODD J STRBIK3 | 1727 NEMOKE TRAIL STE 4 HASLETT, MI 48840 | TRANSAMERICA LIFE INSURANCE COMPANY | $45 | — | $45 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TIMOTHY M BROWN | 2412 NEWTON DR. HARRISBURG, PA 17110 | TRANSAMERICA LIFE INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| EDWARD E RAMIREZ3 | 1981 LAYLA DR MEDFORD, OR 97501 | TRANSAMERICA LIFE INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IBC EIN 23-2184623 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.1M |
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 | 3,000 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,047 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 2,624 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,624 | $1.8M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,624 | $1.7M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,624 | $1.7M |
| Other | MAGELLAN BEHAVIORAL HEALTH INC. | 3,000 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,000 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.