| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | AETNA LIFE INSURANCE CO | $12K | $5K | $16K | 6.41% |
| 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 | $4K | $0 | $4K | 1.62% |
| MF IRVINE COMPANIES LLC3 Filed as: MF IRVINE | 21 EAST 5TH AVENUE SUITE 204 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE CO | $1K | $0 | $1K | 0.46% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES | PO BOX 11600 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.10% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 227 GRANITE RUN DRIVE STE 250 LANCASTER, PA 17601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $222 | $2K | 7.81% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOXOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 6.92% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVCS INC | PO BOX 632886 CINCINATTI, OH 45263 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 3.17% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 6.98% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 2.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENGLE HAMBRIGHT & DAVIES EIN 23-0558310 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 265 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $21K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $21K |
| Life insurance | AETNA LIFE INSURANCE CO | 299 | $254K |
| Short-term disability | AETNA LIFE INSURANCE CO | 299 | $254K |
| Long-term disability | AETNA LIFE INSURANCE CO | 299 | $254K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 265 | $2.3M |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 299 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.