| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $0 | $37K | 20.15% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 4.53% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID-ATLANTIC BENEFIT CONSULTANTS | 85 OLD DUBLIN PIKE PO BOX 2047 DOYLESTOWN, PA 18901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $62 | $3K | 5.85% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES, INC, INC. | P.O. BOX 11600 LANCASTER, PA 176051160 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $123 | $2K | 5.00% |
| EHD ADVISORY SERVICES INC3 | 637 FRONT ST LITITZ, PA 17543 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $449 | $0 | $449 | 0.98% |
| ASSUREX3 | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $102 | $102 | 0.22% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID-ATLANTIC BENEFIT CONSULTANTS | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $397 | $9 | $406 | 5.15% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 176051160 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $337 | $17 | $354 | 4.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENGLE HAMBRIGHT & DAVIES, INC. EIN 23-0558310 BROKER | Insurance agents and brokers Service code 22 | — | $93K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $45K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $16K |
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 | 243 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $183K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $183K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 243 | $1.1M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 291 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.