| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $81K | — | $81K | 15.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | VISION BENEFITS OF AMERICA | $798 | — | $798 | 1.50% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.49% |
| VISIT INSURANCE LLC3 | 1240 BROADCASTING RD PO BOX 6707 WYOMISSING, PA 19610 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $746 | — | $746 | 5.95% |
| ASSUREX3 | STE 800 175 S THIRD ST COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $221 | $221 | $442 | 3.53% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $153 | $153 | 1.22% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $232 | — | $232 | 1.95% |
| RADCLIFFE, SCOTT3 | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $426 | — | $426 | 4.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 176051160 | HARTFORD LIFE AND ACCIDENT | $88 | — | $88 | 17.92% |
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 | 550 | 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) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 437 | $53K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 441 | $551K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 441 | $554K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 441 | $541K |
| Other(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 441 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.