| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | P.O. BOX 11600 LANCASTER, PA 176051160 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $4K | $21K | 12.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $16K | $16K | 9.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT AND DAVIES INC | — | UNITED CONCORDIA INSURANCE COMPANY | $17K | $0 | $17K | 9.99% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | P.O. BOX 11600 LANCASTER, PA 176051160 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 17.26% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 9.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLAIM PENN WAY LANCASTER, PA 17605 | VISION BENEFITS OF AMERICA | $3K | $0 | $3K | 10.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 4.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $162K |
| FAIRBANKS, WILLIAM MATTHEW BROKER | Insurance agents and brokers Service code 22 | 115 E KING ST LANCASTER, PA 17602 | $61K |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 455 | $172K |
| Vision | VISION BENEFITS OF AMERICA | 189 | $34K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $177K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $177K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $177K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 269 | $1.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.