| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC. | P.O. BOX 1160 LANCASTER, PA 17605 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 0.28% |
| SILVER BEECH CONSULTING GROUP3 | 39 W MAIN STREET MECHANICSBURG, PA 17055 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 0.22% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $541 | $6K | 4.78% |
| SILVER BEECH CONSULTING GROUP3 | PO BOX 148 MECHANICSBUG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.29% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, INC. | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK | $450 | $0 | $450 | 2.35% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC. | P.O. BOX 1160 LANCASTER, PA 17605 | HIGHMARK | $315 | $0 | $315 | 1.65% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | P.O. BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $416 | $21 | $437 | 8.35% |
| SILVER BEECH CONSULTING GROUP3 Filed as: SILVER BEACH CONSULTING GROUP | PO BOX 148 MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $369 | $0 | $369 | 7.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $37K |
| ENGLE-HAMBRIGHT & DAVIES, INC EIN 23-0558310 BROKER | Claims processing Service code 12 | — | $36K |
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $27K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $13K |
| SILVER BEECH CONSULTING GROUP, LLC BROKER | Insurance agents and brokers Service code 22 | 39 W MAIN STREET MECHANICSBURG, PA 17055 | $375 |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 236 | $871K |
| Vision | HIGHMARK | 216 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $126K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $126K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $126K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 234 | $669K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.