| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT-DAVIES INC. D/B/A E | 1857 WILLIAM PENN WAY LANCASTER, PA 176016713 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $79 | $19K | 9.93% |
| EHD3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $630 | — | $630 | 10.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 176016713 | VISION SERVICE PLAN | $540 | — | $540 | 9.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS EIN 35-1846036 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $93K |
| AETNA - PPO EIN 06-6033492 NONE | Claims processing; Other services Service code 12 | — | $41K |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $188K |
| Vision(2 contracts, 2 carriers) | NATIONAL VISION ADMINISTRATORS, L.L.C. | 133 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $188K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $188K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $188K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.