| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT, & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT, & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT, & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT, & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 5.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT, & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| J D LUEDTKE INC3 | 313 4TH STREET HANOVER, PA 17331 | AFLAC | $279 | — | $279 | 3.47% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $165 | — | $165 | 2.05% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $85 | — | $85 | 1.06% |
| C H ROBINSON & ASSOCIATES INC3 | 9969 NW 16TH RD GAINESVILLE, FL 32606 | AFLAC | $78 | — | $78 | 0.97% |
| ROBIN L MACDONALD3 | 162 OAK STEET APT 17 TAUNTON, MA 02780 | AFLAC | $72 | — | $72 | 0.89% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $69 | — | $69 | 0.86% |
| ROBERT LAROCHE JR3 | 451 WESTMORELAND LANE SAUNDERSTOWN, RI 02874 | AFLAC | $42 | — | $42 | 0.52% |
| DAVID W BRANDT3 | 6908 FOX CHASE RD NEW MARKET, MD 21774 | AFLAC | $38 | — | $38 | 0.47% |
| JONATHON R SEELE3 | 60 BYRON NELSON CIR ETTERS, PA 17319 | AFLAC | $36 | — | $36 | 0.45% |
| PARENTE HR SERVICES LLC3 | 1200 ABINGTON EXECUTIVE PARK CLARKS SUMMIT, PA 18411 | AFLAC | $27 | — | $27 | 0.34% |
| DAVID C SWEIGARD3 | 2603 PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $22 | — | $22 | 0.27% |
| BRANDT INC3 | 360 LOUCKS RD STE 305 YORK, PA 17404 | AFLAC | $20 | — | $20 | 0.25% |
| SHAW ASSOCIATES INC3 | 859 WILLARD ST STE 400 QUINCY, MA 02169 | AFLAC | $19 | — | $19 | 0.24% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $10 | — | $10 | 0.12% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $8 | — | $8 | 0.10% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $7 | — | $7 | 0.09% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $4 | — | $4 | 0.05% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $4 | — | $4 | 0.05% |
| RAMIN BAHAR3 | 29 APRIL LN NANUET, NY 10954 | AFLAC | $2 | — | $2 | 0.02% |
| WILLIAM H KIRK3 | 110 JEFFERSON BLVD WARWICK, RI 02888 | AFLAC | $2 | — | $2 | 0.02% |
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 | 402 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AFLAC | 7 | $8K |
| Vision | VISION BENEFITS OF AMERICA | 296 | $43K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $136K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $100K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $116K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.