| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES | PO BOX 11600 1857 WILLIAM PENN WAY LANCSTER, PA 176051160 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.47% |
| CRAWFORD ASSOCIATES, INC.3 | 1355 PICCARD DROVE, SUITE 380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70 | $0 | $70 | 0.07% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 176051160 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.96% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC. | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | VISION BENEFITS OF AMERICA | $818 | $0 | $818 | 5.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENGLE HAMBRIGHT & DAVIES, INC. BROKER | Insurance agents and brokers Service code 22 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | $61K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $40K |
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $39K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $14K |
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 | 292 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $101K |
| Vision | VISION BENEFITS OF AMERICA | 235 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $69K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 228 | $805K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.