| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $37K | $0 | $37K | 1.95% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $4K | $14K | 5.89% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT-DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $13K | 5.80% |
| KRISE BROEG & BOUSHELL, LLC3 Filed as: KRISE, BROEG & BOUSHELL, LLC | 225 GRANDVIEW AVE STE 201 CAMP HILL, PA 17011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 7.15% |
| KRISE BROEG & BOUSHELL, LLC3 | 225 GRANDVIEW AVE STE 201 CAMP HILL, PA 17011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 14.81% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 423 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 481 | $232K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 481 | $232K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $161K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $161K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 423 | $1.9M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 308 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.