| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $39K | — | $39K | 8.54% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | HIGHMARK | $8K | — | $8K | 6.38% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GLENSIDE, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.54% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.64% |
| TALMAS DAVID A3 Filed as: TALMAS & TODD LLP | 39 PEACH LANE LANCASTER, PA 17601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $781 | — | $781 | 1.12% |
| DAVID A TALMAS3 | 39 PEACH LANE LANCASTER, PA 17601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $693 | — | $693 | 0.99% |
| FRANK KABAY3 | 1438 COLWELL LN APT 303 CONCHOCKEN, PA 194281183 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $233 | — | $233 | 0.33% |
| RENATE H TODD-KOTLER3 Filed as: RENATE H TODD | 107 VALLEYBROOK DRIVE LANCASTER, PA 17601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.15% |
| M THERESA CONWAY3 Filed as: THERESA CONWAY | PO BOX 44 HUMMELSTOWN, PA 17036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.05% |
| SHAWN MOSELEY3 | 4972 SOFTWOOD COURT WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| JACK L SHORT3 Filed as: JACK L. SHORT | 176 PATTI DR WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ROBERT KONZELMAN JR.3 | 3345 N RAVENSWOOD AVENUE CHICAGO, IL 60657 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GLENSIDE, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.35% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 176051160 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $834 | — | $834 | 3.45% |
| TALMAS DAVID A3 Filed as: TALMAS & TODD LLP | 39 PEACH LANE LANCASTER, PA 17601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107 | — | $107 | 0.44% |
| DAVID A TALMAS3 | 39 PEACH LANE LANCASTER, PA 17601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.13% |
| RENATE H TODD-KOTLER3 Filed as: RENATE H TODD | 107 VALLEYBROOK DRIVE LANCASTER, PA 17601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| FRANK KABAY3 | 1438 COLWELL LN APT 303 CONCHOCKEN, PA 194281183 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| M THERESA CONWAY3 Filed as: THERESA CONWAY | PO BOX 44 HUMMELSTOWN, PA 17036 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| SHAWN MOSELEY3 | 4972 SOFTWOOD COURT WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| ALFRED J HEALY3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | ALLSTATE WORKPLACE DIVISION | $1K | — | $1K | 5.62% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 83080 LANCASTER, PA 17608 | ALLSTATE WORKPLACE DIVISION | $481 | — | $481 | 2.55% |
| NATIONS ENROLLMENT SYSTEMS LLC3 | 811 BETHLEHEM PIKE GLENSIDE, PA 19038 | ALLSTATE WORKPLACE DIVISION | $385 | — | $385 | 2.04% |
| DAVID A TALMAS3 | 39 PEACH LANE LANCASTER, PA 17601 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $43 | — | $43 | 1.86% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | 777 BALTIMORE ST, STE 97 GETTYSBURG, PA 17325 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $26 | — | $26 | 1.13% |
| DAVID MIDDLEMISS3 | 809 WESTMORELAND AVE SYRACUSE, NY 13210 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $21 | — | $21 | 0.91% |
| HALI BENEFITS GROUP, LLC3 | PO BOX 246 LEROY, NY 13210 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $12 | — | $12 | 0.52% |
| JOHN LUPIANI3 | 4864 FAWN RIDGE CANANDAIGUA, NY 14424 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $11 | — | $11 | 0.48% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17608 | RELIANCE STANDARD | $140 | — | $140 | 14.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 | Claims processing Service code 12 | — | $825K |
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 | 2,141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 157 | $72K |
| Dental | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 2,120 | $415K |
| Vision | HIGHMARK | 1,949 | $120K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,242 | $545K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,242 | $508K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,242 | $457K |
| Other(4 contracts, 4 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,242 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.