| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $10K | $24K | 11.45% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES | PO BOX 11600 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.21% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DR ROCHESTER, NY 14450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $286 | $2K | 10.84% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 115 E KING ST PO BOX 83080 LANCASTER, PA 176083080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $61 | $1K | 5.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $81K |
| AETNA - PPO EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $41K |
| PAYCHEX INSURANCE AGENCY EIN 16-1528391 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $24K |
| ENGLE HAMBRIGHT & DAVIES EIN 23-0558310 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $12K |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $209K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $209K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $209K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $22K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $209K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.