| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE STREET LANCASTER, PA 17602 | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: C H ROBINSON & ASSOCIATES LLC | 101 SE 2ND PL STE 201A GAINESVILLE, FL 32601 | AFLAC | $996 | $338 | $1K | 5.59% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $932 | $130 | $1K | 4.45% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE STE 101 HARRISBURG, PA 17110 | AFLAC | $280 | $94 | $374 | 1.57% |
| ROBERT WERTZ3 Filed as: ROBERT W SCHARADIN JR | 1919 MAPLEWOOD DR CARLISLE, PA 17013 | AFLAC | $174 | $79 | $253 | 1.06% |
| DAVID W BRANDT3 | 1135 PLEASANT GROVE RD RED LION, PA 17356 | AFLAC | $223 | — | $223 | 0.93% |
| MG BERGER INC3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $87 | $94 | $181 | 0.76% |
| BRANDT INC3 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $139 | — | $139 | 0.58% |
| RYAN ECKENRODE3 | 3601 W MARKET ST APT 1 YORK, PA 17404 | AFLAC | $128 | — | $128 | 0.54% |
| CHRIS H ROBINSON3 | 101 SE 2ND PL STE 201A GAINESVILLE, FL 32601 | AFLAC | $73 | $16 | $89 | 0.37% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $61 | — | $61 | 0.26% |
| JOHN LUEDTKE3 Filed as: JOHN D LUEDTKE | 313 4TH ST HANOVER, PA 17331 | AFLAC | $53 | — | $53 | 0.22% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $38 | — | $38 | 0.16% |
| TIMOTHY E MILLER3 | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $36 | — | $36 | 0.15% |
| BONITA REID3 | 1515 HICKORY RUN COURT ELIZABETHTOWN, PA 17022 | AFLAC | $33 | — | $33 | 0.14% |
| MELYNDA S HASSELBACH3 | 53 BLUE ROCK ROAD MILLERSVILLE, PA 17551 | AFLAC | $24 | — | $24 | 0.10% |
| JASON E FERGER3 Filed as: JASON FERGER | 3706 EAGLE WOODS STREET VALRICO, FL 33596 | AFLAC | $20 | — | $20 | 0.08% |
| KRISTEN MURRAY3 | 3506 ASH STREET HARRISBURG, PA 17109 | AFLAC | $18 | — | $18 | 0.08% |
| RYAN EXKENRODE3 | 2071 OLD PHILADELPHIA PIKE APT 23 LANCASTER, PA 17602 | AFLAC | $13 | — | $13 | 0.05% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $11 | — | $11 | 0.05% |
| CAROL A PERRY3 | 19 MANOR OAKS DR MILLERSVILLE, PA 17551 | AFLAC | $5 | — | $5 | 0.02% |
| DAVID W RANCK3 | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $4 | — | $4 | 0.02% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $2 | — | $2 | 0.01% |
| MURRAY INSURANCE ASSOCIATES3 | 39 DUKE STREET LANCASTER, PA 17602 | HIGHMARK | $880 | — | $880 | 6.42% |
| MURRAY INS ASSOC INC3 | 454 NEW HOLLAND AVE SUITE 300 LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $688 | $2K | 19.58% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 37 | $24K |
| Dental | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 137 | $75K |
| Vision | HIGHMARK | 115 | $14K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $11K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 154 | $791K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.