| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | P.O.BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 5.89% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $7K | 4.47% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | P.O. BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $561 | $12K | 15.75% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLAIM PENN WAY LANCASTER, PA 17605 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $2K | $0 | $2K | 5.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | P.O. BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $715 | $158 | $873 | 15.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $67K |
| ENGLE-HAMBRIGHT & DAVIES INC BROKER | Insurance agents and brokers Service code 22 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | $64K |
| PRIME THERAPEUTICS EIN 26-0076803 PHARMACY BENEFIT MANAGER | Other services Service code 49 | — | $7K |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 529 | $163K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 174 | $38K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $231K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $231K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $231K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 0 | $0 |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.