| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC. | P.O. BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 6.77% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC. | P.O. BOX 1160 LANCASTER, PA 17605 | DELTA DENTAL OF PENNSYLVANIA | $5K | $0 | $5K | 5.00% |
| FAIRBANKS, WILLIAM MATTHEW3 | EHD 115 E KING ST LANCASTER, PA 17602 | HIGHMARK, INC. | $441 | $0 | $441 | 2.01% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC. | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | HIGHMARK, INC. | $429 | $0 | $429 | 1.96% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | P.O. BOX 11600 LANCASTER, PA 17605 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $56 | $1K | 15.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC EIN 23-0558310 BROKER | Claims processing Service code 12 | — | $75K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $43K |
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $19K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $15K |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 267 | $99K |
| Vision | HIGHMARK, INC. | 241 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $150K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $150K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $150K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 248 | $836K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.