| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $755 | $16K | 15.75% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 176051160 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $308 | $6K | 15.75% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 176051160 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $133 | $2K | 10.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $108K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $44K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 ADMIN | Claims processing Service code 12 | — | $23K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $15K |
| ENGLE HAMBRIGHT & DAVIES, INC. BROKER | Insurance agents and brokers Service code 22 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | $2K |
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 | 329 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $101K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 289 | $835K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
No prospect flags tripped on this filing.