| 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 | $15 | $19K | 10.36% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $18 | $9K | 4.98% |
| JAMES R NELLIGAN & ASSOCIATES LLC0 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.12% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $534 | $534 | 0.30% |
| EHD3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $727 | — | $727 | 10.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 176016713 | VISION SERVICE PLAN | $559 | — | $559 | 9.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $93K |
| AETNA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $35K |
| MULTIPLAN, INC. EIN 13-3068979 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $179K |
| Vision(2 contracts, 2 carriers) | NATIONAL VISION ADMINISTRATORS, L.L.C. | 133 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $179K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $179K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $179K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.