| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOMERSET BENEFITS LLC3 Filed as: SOMERSET BENEFITS LLC DBA | HEALTHFIRST - TWO VILLANOVA CENTER 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 1.57% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $131 | $0 | $131 | 0.03% |
| SOMERSET BENEFIT ADVISORS INC3 | 211 WELSH POOL RD SUITE 110 EXTON, PA 19341 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| CHRISTIAN D SANTIAGO3 | 308 SPRINGSIDE DR READING, PA 19607 | AFLAC | $4K | $110 | $4K | 11.07% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17601 | AFLAC | $3K | $0 | $3K | 6.95% |
| DAVID B SPENCER3 | 2470 W ROUTE 897 DENVER, PA 17517 | AFLAC | $1K | $21 | $1K | 3.25% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $803 | $21 | $824 | 2.22% |
| ENROLLEASE3 Filed as: MARK CLARKE | 317 WILLOW AVE CAMP HILL, PA 17011 | AFLAC | $373 | $0 | $373 | 1.01% |
| BRAD ANDREW NELSON3 Filed as: BRAD GOLDSMITH | 23 OAK LANE DR CARLISLE, PA 17015 | AFLAC | $368 | $0 | $368 | 0.99% |
| SOMERSET BENEFITS LLC3 | 920 CASSATT RD STE 202 BERWYN, PA 19312 | AFLAC | $305 | $0 | $305 | 0.82% |
| DAVID C WILSON3 | 602 EDWARDS AVE POTTSVILLE, PA 17901 | AFLAC | $59 | $0 | $59 | 0.16% |
| JACQUELINE EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $7 | $0 | $7 | 0.02% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $6 | $0 | $6 | 0.02% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $3 | $0 | $3 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | $0 | $1 | 0.00% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | $0 | $1 | 0.00% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $1 | $0 | $1 | 0.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17601 | AFLAC | $904 | $0 | $904 | 5.71% |
| CHRISTOPHER C HAYWARD3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $426 | $252 | $678 | 4.29% |
| CHRISTIAN D SANTIAGO3 | 308 SPRINGSIDE DR READING, PA 19607 | AFLAC | $268 | $178 | $446 | 2.82% |
| BRYAN LIBBY3 | 1796 TOMPKINS LANDING RD HILLIARD, FL 32046 | AFLAC | $178 | $205 | $383 | 2.42% |
| DAVID C SWEIGARD3 | 2575E PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $84 | $41 | $125 | 0.79% |
| DAVID B SPENCER3 | 2470 W ROUTE 897 DENVER, PA 17517 | AFLAC | $78 | $36 | $114 | 0.72% |
| TALLON AND ASSOCIATES INC3 | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $64 | $42 | $106 | 0.67% |
| JAMEY MILLER INC3 | 4811 BEACH BLVD STE 107 JACKSONVILLE, FL 32207 | AFLAC | $61 | $41 | $102 | 0.64% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $58 | $36 | $94 | 0.59% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DR BOCA RATON, FL 33433 | AFLAC | $8 | $0 | $8 | 0.05% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | P.O. BOX 11600 LANCASTER, PA 17605 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $496 | $0 | $496 | 3.48% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS. AGENCIES, INC. | 90 MAIN ST. BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $414 | $0 | $414 | 2.91% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $45 | $45 | 0.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Other services; Claims processing Service code 12 | — | $306K |
| HEALTHFIRST NONE | Insurance agents and brokers; Consulting fees Service code 22 | TWO VILLANOVA CENTER 795 E LANCASTER AVE SUITE 210 VILLANOVA, PA 19085 | $66K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Claims processing; Contract Administrator Service code 12 | — | $26K |
| CONNECTYOURCARE NONE | Claims processing; Contract Administrator Service code 12 | 307 INTERNATIONAL CIRCLE SUITE 200 HUNT VALLEY, MD 21030 | $5K |
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 | 572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 536 | $433K |
| Vision | VISION BENEFITS OF AMERICA | 476 | $56K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 550 | $515K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 550 | $515K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 550 | $515K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 536 | $380K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 550 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.