| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $110K | $17K | $127K | 32.40% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | PO BOX 11600 LANCASTER, PA 17605 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 3.04% |
| ASSUREX3 | 175 S 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $761 | $0 | $761 | 0.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 9.16% |
| SBR SERVICES LLC3 Filed as: SBR SERVICE LLC | 2839 PACES FERRY RD SE, SUITE 830 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $1K | $18K | 5.43% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 9.16% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 15.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 9.18% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT-DAVIES INC | PO BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $166 | $9K | 7.16% |
| ASSUREX3 | STE 800 175 SOUTH 3RD ST COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT-DAVIES INC | PO BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $76 | $6K | 7.09% |
| ASSUREX3 | STE 800 175 SOUTH 3RD ST COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT-DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | SYMETRA LIFE INSURANCE COMPANY | $7K | $6K | $13K | 16.65% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $907 | $6K | 21.95% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT & DAVIES | PO BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $536 | $48 | $584 | 2.24% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC | 897 12TH STREET 1 HAMMONTON, NJ 08037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 23.37% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.29% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | 1857 WILLIAM PENN WAY LANCASTER, PA 17603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $523 | $0 | $523 | 2.27% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT & DAVIES INC | PO BO 11600 LANCASTER, PA 17608 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $279 | $0 | $279 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $1.1M |
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 | 4,375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,893 | $613K |
| Vision | HIGHMARK | 972 | $153K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,390 | $386K |
| Short-term disability(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,511 | $752K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,331 | $341K |
| Other(9 contracts, 6 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 4,390 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,390 | — |
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.