| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 115 E KING ST. PO BOX 83080 LANCASTER, PA 17608 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $8K | $0 | $8K | 15.29% |
| WHALEN INSURANCE ASSOCIATES, INC.3 | 275 HESS BLVD. PO BOX 5040 LANCASTER, PA 17602 | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | $747 | $0 | $747 | 1.46% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 115 E KING STREET LANCASTER, PA 17602 | CITIZENS SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | HIGHMARK | $475 | $0 | $475 | 5.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $48K |
| ENGLE HAMBRIGHT & DAVIES BROKER | Insurance agents and brokers Service code 22 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | $36K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CITIZENS SECURITY LIFE INSURANCE COMPANY | 106 | $42K |
| Vision | HIGHMARK | 155 | $8K |
| Life insurance | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 164 | $51K |
| Short-term disability | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 164 | $51K |
| Long-term disability | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 164 | $51K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 128 | $349K |
| Other | SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK | 164 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.