| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17605 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $39K | $0 | $39K | 3.95% |
| PCI INSURANCE AGENCY3 | 417 WALNUT STREET HARRISBURG, PA 17101 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $0 | $4K | 9.89% |
| PCI INSURANCE AGENCY3 | 417 WALNUT STREET HARRISBURG, PA 17101 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 27.22% |
| PCI INSURANCE AGENCY3 | 417 WALNUT STREET HARRISBURG, PA 17101 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.71% |
| ESSA ADVISORY SERVICES, LLC3 Filed as: ESSA ADVISORY SERVICES LLC | 414 W BROAD ST BETHLEHEM, PA 18018 | SUN LIFE ASSURANCE COMPANY OF CANADA | $702 | $0 | $702 | 7.66% |
| PCI INSURANCE AGENCY3 Filed as: PCI INSURANCE | 417 WALNUT STREET HARRISBURG, PA 17101 | DAVIS VISION | $1K | $0 | $1K | 20.67% |
| PCI INSURANCE AGENCY3 | 417 WALNUT STREET HARRISBURG, PA 17101 | THE GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 18.80% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 139 | $999K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 107 | $44K |
| Vision | DAVIS VISION | 80 | $7K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 157 | $22K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 53 | $6K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 43 | $12K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 139 | $999K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.