| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT & DAVIES INC | PO BOX 11600 LANCASTER, PA 17608 | DELTA DENTAL | $3K | $0 | $3K | 2.92% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF LEHIGH VALLEY | 3001 EMRICK BLVD STE 101 BETHLEHEM, PA 18020 | DELTA DENTAL | $2K | $0 | $2K | 2.08% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT & DAVIES INC. | PO BOX 11600 LANCASTER, PA 17608 | RELIANCE STANDARD | $3K | $0 | $3K | 5.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF LEHIGH VALLEY | 3001 EMRICK BLVD STE 101 BETHLEHEM, PA 18020 | RELIANCE STANDARD | $2K | $0 | $2K | 4.13% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT & DAVIES INC. | PO BOX 11600 LANCASTER, PA 17608 | RELIANCE STANDARD | $2K | $0 | $2K | 4.47% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF LEHIGH VALLEY INC | 3001 EMRICK BLVD STE 101 BETHLEHEM, PA 18020 | RELIANCE STANDARD | $2K | $0 | $2K | 3.69% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT & DAVIES INC. | PO BOX 11600 LANCASTER, PA 17608 | RELIANCE STANDARD | $2K | $0 | $2K | 8.54% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF LEHIGH VALLEY | 3001 EMRICK BLVD STE 101 BETHLEHEM, PA 18020 | RELIANCE STANDARD | $2K | $0 | $2K | 6.28% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT & DAVIES | 1857 WILLIAM PENN WAY PO BOX 11600 LANCASTER, PA 17605 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $727 | $0 | $727 | 5.08% |
| BROWN & BROWN INSURANCE SERVICES3 | 125 E ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $703 | $0 | $703 | 4.92% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF LEHIGH VALLEY | 268 BRODHEAD ROAD BETHLEHEM, PA 18017 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $284 | $0 | $284 | 1.99% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT & DAVIES INC | PO BOX 11600 LANCASTER, PA 17608 | RELIANCE STANDARD | $373 | $0 | $373 | 8.76% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF LEHIGH VALLEY | 3001 EMRICK BLVD STE 101 BETHLEHEM, PA 18020 | RELIANCE STANDARD | $265 | $0 | $265 | 6.22% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE HAMBRIGHT & DAVIES INC. | PO BOX 11600 LANCASTER, PA 17608 | RELIANCE STANDARD | $263 | $0 | $263 | 8.46% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF LEHIGH VALLEY | 3001 EMRICK BLVD STE 101 BETHLEHEM, PA 18020 | RELIANCE STANDARD | $203 | $0 | $203 | 6.53% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP INC | 201 E OREGON RD SUITE 100 LITITZ, PA 17543 | HARTFORD LIFE AND ACCIDENT | $210 | $0 | $210 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $102K |
| BROWN & BROWN (PA) EIN 20-0878127 BROKER | Insurance agents and brokers Service code 22 | — | $50K |
| INNOVU EIN 81-1938789 OTHER | Other services Service code 49 | — | $7K |
| CAPITAL ADVANTAGE ASSURANCE CO EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | -$39K |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 261 | $87K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 224 | $14K |
| Life insurance | RELIANCE STANDARD | 206 | $48K |
| Short-term disability | RELIANCE STANDARD | 206 | $57K |
| Long-term disability | RELIANCE STANDARD | 124 | $28K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CRUM & FORSTER | 147 | $457K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD | 206 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.