| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRY INSURANCE ASSOCIATES3 | 39 N DUKE ST LANCASTER, PA 17602 | THE STANDARD | $2K | $0 | $2K | 4.18% |
| MURRY INSURANCE ASSOCIATES3 | 39 N DUKE ST LANCASTER, PA 17602 | THE STANDARD | $3K | $0 | $3K | 7.25% |
| MURRY INSURANCE ASSOCIATES3 | 39 N DUKE ST LANCASTER, PA 17602 | THE STANDARD | $4K | $0 | $4K | 10.71% |
| MURRY INSURANCE ASSOCIATES3 | 39 N DUKE ST LANCASTER, PA 17602 | THE STANDARD | $3K | $0 | $3K | 11.40% |
| MURRY INSURANCE ASSOCIATES3 | 39 N DUKE ST LANCASTER, PA 17602 | THE STANDARD | $360 | $0 | $360 | 4.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED PARTNERS EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $36K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $32K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $6K |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $2K |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE STANDARD | 97 | $38K |
| Vision | THE STANDARD | 96 | $8K |
| Life insurance | THE STANDARD | 146 | $34K |
| Short-term disability | THE STANDARD | 72 | $37K |
| Long-term disability | THE STANDARD | 46 | $30K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH | 103 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.