| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC | 400 POST AVE WESTBURY, NY 11590 | GEISINGER QUALITY OPTIONS, INC | $60K | — | $60K | 3.75% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT AND DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | GEISINGER QUALITY OPTIONS, INC | $20K | — | $20K | 1.25% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVCS | 2555 KINGSTON RD STE 100 YORK, PA 17402 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 3.94% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT AND DAVIES INC | P.O. BOX 11600 1857 WILLIAM PENN WA LANCASTER, PA 176016713 | AMERITAS LIFE INSURANCE CORP | $268 | — | $268 | 0.34% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVCS | 2555 KINGSTON RD STE 100 YORK, PA 17402 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.17% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT AND DAVIES INC | P.O. BOX 11600 LANCASTER, PA 17605 | STANDARD INSURANCE COMPANY | $181 | — | $181 | 0.60% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVCS | 2555 KINGSTON RD STE 100 YORK, PA 17402 | STANDARD INSURANCE COMPANY | $713 | — | $713 | 10.17% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT AND DAVIES INC | P.O. BOX 11600 LANCASTER, PA 17605 | STANDARD INSURANCE COMPANY | $64 | — | $64 | 0.91% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER QUALITY OPTIONS, INC | 233 | $1.6M |
| Dental | AMERITAS LIFE INSURANCE CORP | 367 | $79K |
| Vision | AMERITAS LIFE INSURANCE CORP | 367 | $79K |
| Life insurance | STANDARD INSURANCE COMPANY | 168 | $7K |
| Short-term disability | STANDARD INSURANCE COMPANY | 93 | $30K |
| Prescription drug | GEISINGER QUALITY OPTIONS, INC | 233 | $1.6M |
| Other | STANDARD INSURANCE COMPANY | 168 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.