| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT & DAVIES INC | PO BOX 11600 LANCASTER, PA 176051160 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $102 | $3K | 8.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 194284159 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.30% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 WALL TOWNSHIP, NJ 077193502 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $984 | $984 | 2.70% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17601 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $383 | $2K | 8.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA, INC. | 125 E ELM ST, STE 210 CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $661 | $0 | $661 | 2.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENGLE, HAMBRIGHT & DAVIES INC EIN 23-0558310 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $18 |
| BROWN & BROWN (PA) EIN 20-0878127 BROKER | Insurance agents and brokers Service code 22 | — | -$106 |
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 | 62 | 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) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 85 | $26K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 85 | $36K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 85 | $36K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 85 | $36K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 45 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.