| 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 | $94K | — | $94K | 10.43% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $108K | $26K | $134K | 34.24% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17605 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $870 | $12K | 3.12% |
| ASSUREX3 | 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $726 | $726 | 0.18% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76K | $13K | $88K | 25.97% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $754 | $9K | 2.67% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $80K | $0 | $80K | 26.93% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.66% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.57% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | HIGHMARK | $836 | — | $836 | 0.48% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | SYMETRA LIFE INSURANCE COMPANY | $7K | $956 | $8K | 14.89% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $271 | $4K | 20.40% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17603 | FIRST UNUM LIFE INSURANCE COMPANY | $326 | $16 | $342 | 1.94% |
| ASSUREX3 | STE 800 175 SOUTH 3RD STREET COLUMBUS, OH 43215 | FIRST UNUM LIFE INSURANCE COMPANY | — | $13 | $13 | 0.07% |
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 | 3,656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 3,054 | $622K |
| Vision | HIGHMARK | 2,578 | $174K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,748 | $1.3M |
| Short-term disability(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,748 | $1.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,748 | $904K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,748 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,748 | — |
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.