| 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.) | $63K | — | $63K | 11.27% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH ST 1 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $112K | $31K | $142K | 92.59% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH ST 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105K | — | $105K | 70.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH ST 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $86K | — | $86K | 65.02% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | HIGHMARK | $8K | — | $8K | 5.97% |
| THE MAXON COMPANY3 Filed as: MAXON COMPANY | 76 N BROADWAY IRVINGTON, NY 10533 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $4K | — | $4K | 15.40% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH ST 1 HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $276 | $9K | 86.77% |
| 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 | — | $903K |
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 | 2,309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 2,349 | $462K |
| Vision | HIGHMARK | 1,995 | $131K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,375 | $724K |
| Short-term disability(6 contracts, 5 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,375 | $1.0M |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,375 | $560K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 2,375 | $561K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,375 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.