| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLLIAM PENN WAY LANCASTER, PA 176083080 | HIGHMARK | $36K | — | $36K | 3.98% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLLIAM PENN WAY LANCASTER, PA 17605 | SYMETRA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 15.02% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLLIAM PENN WAY LANCASTER, PA 176083080 | DELTA DENTAL OF PENNSYLVANIA | $8K | — | $8K | 10.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLLIAM PENN WAY LANCASTER, PA 17605 | VISION BENEFITS OF AMERICA | $972 | — | $972 | 8.00% |
No Schedule C service providers reported on this filing.
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 232 | $907K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 251 | $79K |
| Vision | VISION BENEFITS OF AMERICA | 135 | $12K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 165 | $101K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 165 | $101K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 165 | $101K |
| Prescription drug | HIGHMARK | 232 | $907K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.