| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY MARSH & MCLENNAN | ONE PENN SQUARE WEST SUITE 2500 PHILADELPHIA, PA 19102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 10.53% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST SUITE 2500 PHILADELPHIA, PA 19102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$316 | — | -$316 | -0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQ W FL 25 PHILADELPHIA, PA 191024802 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | — | $48K | 12.28% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $6K | $24K | 6.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY MARSH & MCLENNAN | ONE PENN SQUARE WEST SUITE 2500 PHILADELPHIA, PA 19102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 8.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: GRAHAM COMPANY, A MARSH & MCLENNAN | ONE PENN SQUARE WEST SUITE 2500 PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $1K | — | $1K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQ W FL 25 PHILADELPHIA, PA 191024802 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 59.58% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $320 | $130 | $450 | 7.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQ W FL 25 PHILADELPHIA, PA 191024802 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 66.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $330 | $133 | $463 | 8.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQ W FL 25 PHILADELPHIA, PA 191024802 | METROPOLITAN LIFE INSURANCE COMPANY | $245 | — | $245 | 59.61% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $21 | $25 | $46 | 11.19% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18 | $18 | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18 | $18 | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | — | $18 | $18 | — |
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 | 582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $735K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $389K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 218 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $389K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $389K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $389K |
| Other(7 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 582 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.