| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INS ASSOC INC3 Filed as: MURRAY INS. ASSOC. INC. | 454 NEW HOLLAND AVE, SUITE 300 LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $6K | $13K | 10.74% |
| J D LUEDTKE INC3 Filed as: JD LUEDTKE INC | 313 4TH ST HANOVER, PA 17331 | AFLAC | $3K | $371 | $3K | 7.58% |
| MURRAY INS ASSOC INC3 Filed as: MURRAY INS. ASSOC. INC. | 39 N DUKE ST LANCASTER, PA 17602 | AFLAC | $3K | $0 | $3K | 6.01% |
| MICHAEL BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $859 | $82 | $941 | 2.08% |
| ANTHONY ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $757 | $75 | $832 | 1.84% |
| C H ROBINSON & ASSOCIATES INC3 Filed as: CH ROBINSON & ASSOC. INC. | 132 NW 76TH DR, STE B GAINSVILLE, FL 32607 | AFLAC | $531 | $0 | $531 | 1.18% |
| DAVID W BRANDT3 Filed as: DAVID BRANDT | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $196 | $0 | $196 | 0.43% |
| BRANDT INC3 | 311 EXPRESSO WAY YORK, PA 17406 | AFLAC | $117 | $0 | $117 | 0.26% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $73 | $0 | $73 | 0.16% |
| CHRIS H ROBINSON3 Filed as: CHRIS ROBINSON | 132 NW 76TH DR, STE B GAINSVILLE, FL 32607 | AFLAC | $53 | $0 | $53 | 0.12% |
| BONITA REID3 | 463 NEW DORWART ST LANCASTER, PA 17603 | AFLAC | $52 | $0 | $52 | 0.12% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $35 | $0 | $35 | 0.08% |
| RYAN ECKENRODE3 | 3601 W MARKET ST, APT 1 YORK, PA 17404 | AFLAC | $32 | $0 | $32 | 0.07% |
| CHARLES SAULSBERY3 | PO BOX 5320 WILMINGTON, DE 19808 | AFLAC | $32 | $0 | $32 | 0.07% |
| MELYNDA S HASSELBACH3 Filed as: MELYNDA HASSELBACH | 53 BLUE ROCK RD MILLERSVILLE, PA 17551 | AFLAC | $29 | $0 | $29 | 0.06% |
| CINDY SAULSBERT3 | 1601 MILLTOWN RD SU 8 PO BOX 5320 WILMINGTON, DE 19808 | AFLAC | $27 | $0 | $27 | 0.06% |
| TIMOTHY MILLER3 | 604 HARVEST DR DALLASTOWN, PA 17313 | AFLAC | $24 | $0 | $24 | 0.05% |
| JASON E FERGER3 Filed as: JASON FERGER | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $24 | $0 | $24 | 0.05% |
| BERNARD J NICHOLS3 Filed as: BERNARD NICHOLS | 247 BLACK OAK DR LANCATER, PA 17602 | AFLAC | $24 | $0 | $24 | 0.05% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $22 | $0 | $22 | 0.05% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $16 | $0 | $16 | 0.04% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $15 | $0 | $15 | 0.03% |
| CHRIS WALKER3 | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $14 | $0 | $14 | 0.03% |
| KRISTEN MURRAY3 | 3506 ASH ST HARRISBURG, PA 17103 | AFLAC | $13 | $0 | $13 | 0.03% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $13 | $0 | $13 | 0.03% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $10 | $0 | $10 | 0.02% |
| RYAN GOLDBERG0 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $10 | $0 | $10 | 0.02% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHBURG, MD 21783 | AFLAC | $7 | $0 | $7 | 0.02% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY, APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $7 | $0 | $7 | 0.02% |
| CAROL PERRY3 | 19 MANOR OAKS DR MILLERSVILLE, PA 17551 | AFLAC | $6 | $0 | $6 | 0.01% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 E PARK DR, SUITE 301 HARRISBURG, PA 17111 | AFLAC | $6 | $0 | $6 | 0.01% |
| DAVID W RANCK3 Filed as: DAVID RANCK | 848 E MAIN ST, STE 800 EPHRATA, PA 17522 | AFLAC | $4 | $0 | $4 | 0.01% |
| DANIEL R JUDY0 Filed as: DANIEL JUDY | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $2 | $0 | $2 | 0.00% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DR CATAULA, GA 31804 | AFLAC | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $85K |
| MURRAY SECURUS BROKER | Insurance agents and brokers Service code 22 | 39 N DUKE STREET LANCASTER, PA 17602 | $29K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $25K |
| LR WEBBER EIN 25-1301205 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $8K |
| DATASMART SOLUTION SERVICES ADMIN | Claims processing Service code 12 | 1111 NORTH RODNEY, SUITE 4 HELENA, MT 59601 | $3K |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $116K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $116K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $116K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 166 | $656K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.