| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 6.52% |
| EHD3 | 1857 WILLIAM PENN WAY, PO BOX 11600 LANCASTER, PA 17605 | DELTA DENTAL OF PENNSYLVANIA | $522 | $0 | $522 | 2.00% |
| EHD3 | 1857 WILLIAM PENN WAY, PO BOX 11600 LANCASTER, PA 17605 | VISION BENEFITS OF AMERICA | $330 | $0 | $330 | 5.01% |
| EHD3 | 1857 WILLIAM PENN WAY, PO BOX 11600 LANCASTER, PA 17605 | MADISON NATIONAL LIFE INSURANCE COMPANY | $242 | $81 | $323 | 16.02% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $171 | $0 | $171 | 8.48% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 73 | $490K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 86 | $26K |
| Vision | VISION BENEFITS OF AMERICA | 67 | $7K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 102 | $2K |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 102 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
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.