| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $51K | $10K | $61K | 11.30% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $9K | $34K | 14.92% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17605 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | $9K | $69K | 38.20% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57K | $8K | $64K | 36.16% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | HIGHMARK | $9K | — | $9K | 5.99% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $13K | $13K | 12.93% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $10K | $61K | 65.93% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | SYMETRA LIFE INSURANCE COMPANY | $1K | $393 | $2K | 7.97% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $2 | $1K | 9.57% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17608 | RELIANCE STANDARD | $279 | — | $279 | 15.00% |
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 | 2,658 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,581 | $512K |
| Vision | HIGHMARK | 2,146 | $143K |
| Life insurance(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,722 | $880K |
| Short-term disability(6 contracts, 6 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,722 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,722 | $640K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,722 | $823K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,722 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.