| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT AND DAVIES, INC. | PO BOX 11600 LANCASTER, PA 17605 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $43K | — | $43K | 15.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT AND DAVIES, INC. | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $22K | $24K | 9.06% |
| SOMERSET BENEFIT ADVISORS INC3 Filed as: SOMERSET BENEFIT ADVISORS, INC. | 211 WELSH POOL ROAD, SUITE 110 EXTON, PA 19341 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.46% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT AND DAVIES, INC. | 350 EAGLEVIEW BOULEVARD, SUITE 110 EXTON, PA 19341 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 2.68% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT AND DAVIES, INC. | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | AFLAC | $9K | — | $9K | 19.72% |
| CHRISTIAN D SANTIAGO3 Filed as: CHRISTIAN D. SANTIAGO | 308 SPRINGSIDE DRIVE READING, PA 19607 | AFLAC | $5K | $10 | $5K | 11.03% |
| ENROLLEASE3 Filed as: MARK CLARKE AND VARIOUS AGENTS | 317 WILLOW AVENUE CAMP HILL, PA 17011 | AFLAC | $3K | $3 | $3K | 7.07% |
| CHRISTOPHER C HAYWARD3 Filed as: CHRISTOPHER C. HAYWARD | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $1K | — | $1K | 3.04% |
| DAVID B SPENCER3 Filed as: DAVID B. SPENCER | 2470 WEST ROUTE 897 DENVER, PA 17517 | AFLAC | $1K | — | $1K | 2.96% |
| BRIAN GOLDSMITH3 | 23 OAK LANE DRIVE CARLISLE, PA 17015 | AFLAC | $1K | — | $1K | 2.70% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | AFLAC | $1K | — | $1K | 2.56% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT AND DAVIES, INC. | PO BOX 11600 LANCASTER, PA 17605 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.67% |
| VIST INSURANCE LLC3 Filed as: VIST INSURANCE, LLC | 1240 BROADCASTING ROAD WYOMISSING, PA 19610 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $702 | — | $702 | 4.82% |
| ASSUREX3 | 175 SOUTH THIRD STREET, SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $246 | — | $246 | 1.69% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT AND DAVIES, INC. | PO BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 3.97% |
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 | 659 | 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) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 745 | $52K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 559 | $548K |
| Short-term disability(4 contracts, 4 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 559 | $562K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 559 | $548K |
| Other(4 contracts, 4 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 559 | $593K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.