Welfare broker

ENGLE-HAMBRIGHT & DAVIES, INC.

Mailing address (most recent filing)

PO BOX 11600

LANCASTER, PA 17603

Total comp: $1.2M
Commissions: $1.1M
Fees: $51K
Filings: 94
Sponsors: 94

Carrier mix

Where ENGLE-HAMBRIGHT & DAVIES, INC. places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

HM LIFE INSURANCE COMPANY28.3%
UNITEDHEALTHCARE INSURANCE COMPANY23.9%
SUN LIFE ASSURANCE COMPANY OF CANADA13.0%
METROPOLITAN LIFE INSURANCE COMPANY8.7%
CAPITAL ADVANTAGE ASSURANCE COMPANY8.7%
UNITED STATES FIRE INSURANCE COMPANY6.5%
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA4.3%
STANDARD INSURANCE COMPANY2.2%
Other (2)4.3%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
HM LIFE INSURANCE COMPANY	13	$8.2M	28.3%
UNITEDHEALTHCARE INSURANCE COMPANY	11	$6.2M	23.9%
SUN LIFE ASSURANCE COMPANY OF CANADA	6	$3.1M	13.0%
METROPOLITAN LIFE INSURANCE COMPANY	4	$459K	8.7%
CAPITAL ADVANTAGE ASSURANCE COMPANY	4	$2.8M	8.7%
UNITED STATES FIRE INSURANCE COMPANY	3	$651K	6.5%
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	2	$231K	4.3%
STANDARD INSURANCE COMPANY	1	$160K	2.2%
SYMETRA LIFE INSURANCE COMPANY	1	$269K	2.2%
SWISSRE ACCIDENT & HEALTH RISK SOLUTIONS, LLC	1	$2.0M	2.2%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
PA	53	$25.9M	1.1%	23.98x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of ENGLE-HAMBRIGHT & DAVIES, INC.'s plans by broker comp / premium ratio. Median 3.28% vs welfare-wide median 6.29% (n=52).

Prospect-flag exposure · vs market baseline

Share of ENGLE-HAMBRIGHT & DAVIES, INC.'s book where each ERISA welfare flag is tripped, alongside the market-wide rate.

51-53 of 53 sponsors where ENGLE-HAMBRIGHT & DAVIES, INC. is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
BOOSE AT CORNWALL, INC. BOOSE AT CORNWALL, INC. EMPLOYEE BENEFIT PLAN	PA	$160K	$389	HM LIFE INSURANCE COMPANY
GARMAN BUILDERS, INC. GARMAN BUILDERS, INC. EMPLOYEE BENEFIT PLAN	PA	$21K	$350	OPTUMHEALTH
INTERIORS, INC. INTERIORS, INC. EMPLOYEE BENEFIT PLAN	PA	$0	$0	AETNA HEALTH PLANS