| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHALEN INSURANCE ASSOCIATES, INC.3 | 275 HESS BLVD PO BOX 5040 LANCASTER, PA 17606 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $18K | — | $18K | 0.68% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17605 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $7K | — | $7K | 0.25% |
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM BUILDING ONE PENN SQUARE WEST PHILADELPHIA, PA 19122 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $6K | — | $6K | 0.22% |
| WHALEN INSURANCE ASSOCIATES, INC.3 Filed as: WHALEN INSURANCE ASSOCIATES INC | 275 HESS BLVD PO BOX 5040 LANCASTER, PA 17601 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $46 | $7K | 5.41% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT-DAVIES INC DBA EHD | 1857 WILLIAM PENN WAY ATTN SCOTT RADCLIFFE LANCASTER, PA 17601 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $215 | $3K | 2.12% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO TA THE GRAHAM C | PO BOX 7247 MAIL CODE 7933 PHILADELPHIA, PA 19170 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.26% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT-DAVIES INC | 1857 WILLIAM PENN WAY ATTN SCOTT RADCLIFFE LANCASTER, PA 17601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $438 | $438 | 0.33% |
| WHALEN INSURANCE ASSOCIATES, INC.3 Filed as: WHALEN INSURANCE ASSOCIATES | 275 HESS BLVD PO BOX 5040 LANCASTER, PA 17603 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 6.38% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17605 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 3.32% |
| WHALEN INSURANCE ASSOCIATES, INC.3 Filed as: WHALEN INSURANCE ASSOCIATES INC. | 275 HESS BLVD PO BOX 5040 LANCASTER, PA 17601 | HEARTLAND (NVA) | $961 | — | $961 | 3.37% |
| EHD3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | HEARTLAND (NVA) | $236 | — | $236 | 0.83% |
| WILLIAM A GRAHAM COMPANY3 | THE GRAHAM BUILDING ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | HEARTLAND (NVA) | $231 | — | $231 | 0.81% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 288 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 730 | $133K |
| Vision | HEARTLAND (NVA) | 431 | $29K |
| Life insurance | AETNA LIFE INSURANCE CO. | 321 | $77K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 321 | $77K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 288 | $2.6M |
| Other | AETNA LIFE INSURANCE CO. | 321 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.