| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $26K | — | $26K | 4.04% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.45% |
| HERITAGE INSURANCE ASSOCIATES3 Filed as: HERITAGE INS. ASSOC. INC | 3399 JETSTAR DR LITITZ, PA 17543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 14.76% |
| WILIAM E GOOD3 | 2799 FLOWING SPRINGS ROAD SPRING CITY, PA 19475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 2.50% |
| CATHY GOOD3 | 2799 FLOWING SPRINGS ROAD SPRING CITY, PA 19475 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 1.32% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.53% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC | 126 FOXSHIRE DR STE 1 LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.40% |
| LAWRENCE PRICHARD3 | 920 COLONIAL COURT COATESVILLE, PA 19320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.26% |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.13% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIGNIFICA BENEFIT SERVICES, INC. EIN 23-2504308 NONE | Plan Administrator Service code 14 | P.O. BOX 7777 LANCASTER, PA 176047777 | $6K |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 73 | $649K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $65K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $65K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $65K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 73 | $649K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.