| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $76K | — | $76K | 10.58% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167K | $21K | $188K | 65.25% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17605 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $1K | $15K | 5.33% |
| ASSUREX3 | 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $751 | $751 | 0.26% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76K | $20K | $96K | 38.96% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.69% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72K | $19K | $91K | 40.20% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.95% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56K | $11K | $67K | 42.03% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $524 | $5K | 3.33% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | HIGHMARK | $9K | — | $9K | 5.95% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17605 | SYMETRA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.28% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $131 | $8K | 51.50% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17603 | FIRST UNUM LIFE INSURANCE COMPANY | $859 | $13 | $872 | 5.47% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | FIRST UNUM LIFE INSURANCE COMPANY | — | $15 | $15 | 0.09% |
| 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 | 3,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,067 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,925 | $548K |
| Vision | HIGHMARK | 2,499 | $156K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,026 | $1.0M |
| Short-term disability(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,026 | $1.3M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,026 | $719K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,026 | $948K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,026 | — |
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.