| 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 | $33K | $0 | $33K | 5.61% |
| EHD3 | 1857 WILLIAM PENN WAY, PO BOX 11600 LANCASTER, PA 17605 | DELTA DENTAL OF PENNSYLVANIA | $531 | $0 | $531 | 2.00% |
| EHD3 | 1857 WILLIAM PENN WAY, PO BOX 11600 LANCASTER, PA 17605 | VISION BENEFITS OF AMERICA | $344 | $0 | $344 | 5.00% |
| EHD3 | 1857 WILLIAM PENN WAY, PO BOX 11600 LANCASTER, PA 17605 | MADISON NATIONAL LIFE INSURANCE COMPANY | $272 | $91 | $363 | 16.03% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $238 | $238 | 10.51% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 76 | $584K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 72 | $27K |
| Vision | VISION BENEFITS OF AMERICA | 73 | $7K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 122 | $2K |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 122 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
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.