| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AEGIS GENERAL INSURANCE AGENCY3 | 4507 NORTH FRONT ST STE 200 HARRISBURG, PA 17110 | AXIS INSURANCE COMPANY | $29K | $0 | $29K | 12.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 | PO BOX 11600 LANCASTER, PA 17605 | AXIS INSURANCE COMPANY | $12K | $0 | $12K | 5.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES | PO BOX 11600 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | GUARDIAN LIFE INSURANCE COMPANY | $10K | $359 | $11K | 6.69% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS INC. | PO BOX 21545 EAGAN, MN 55121 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.93% |
| MAZZMAR LLC3 | 350 SENTRY PKWY #200 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY | $51 | $0 | $51 | 0.03% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 140 | $159K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 140 | $159K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 140 | $159K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 140 | $159K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 140 | $159K |
| Other(3 contracts, 3 carriers) | AXIS INSURANCE COMPANY | 140 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.