| 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 | $7K | $0 | $7K | 5.41% |
| J D LUEDTKE INC3 Filed as: JD LUEDTKE INC | 313 4TH ST HANOVER, PA 17331 | AFLAC | $3K | $394 | $3K | 6.59% |
| MURRAY INS ASSOC INC3 | 39 N DUKE ST LANCASTER, PA 17602 | AFLAC | $1K | $0 | $1K | 2.11% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $916 | $70 | $986 | 1.96% |
| JAMES HARMON3 | 393 DICKENS DR LANCASTER, PA 17603 | AFLAC | $742 | $6 | $748 | 1.49% |
| JAMES HARMON3 | 3721 OLDTOWN RD SHAWSVILLE, VA 24162 | AFLAC | $517 | $14 | $531 | 1.06% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $526 | $0 | $526 | 1.05% |
| BRANDON SEITZ3 | 1835 HIGHLAND AVENUE RD GETTYSBURG, PA 17325 | AFLAC | $513 | $0 | $513 | 1.02% |
| C H ROBINSON & ASSOCIATES INC3 | 4735 NW 53RD AVE STE A GAINESVILLE, FL 22767 | AFLAC | $228 | $0 | $228 | 0.45% |
| C H ROBINSON & ASSOCIATES INC3 | 4623 NW 53RD AVE STE 1 GAINESVILLE, FL 32653 | AFLAC | $222 | $0 | $222 | 0.44% |
| DAVID W BRANDT3 | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $118 | $0 | $118 | 0.23% |
| EARMON ALLEN JOHNSON3 | 516 RYAN DR HARRISBURG, PA 17112 | AFLAC | $82 | $8 | $90 | 0.18% |
| BRANDT INC3 | 360 LOUCKS RD STE 305 YORK, PA 17404 | AFLAC | $74 | $0 | $74 | 0.15% |
| BONITA REID3 | 200 TOWNHOUSE RD SANGERVILLE, ME 04479 | AFLAC | $35 | $0 | $35 | 0.07% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $28 | $0 | $28 | 0.06% |
| CHRIS H ROBINSON3 | 4735 NW 53RD AVE STE A GAINESVILLE, FL 32653 | AFLAC | $23 | $0 | $23 | 0.05% |
| BERNARD J NICHOLS3 | 247 BLACK OAK DR LANCASTER, PA 17602 | AFLAC | $22 | $0 | $22 | 0.04% |
| CHRIS H ROBINSON3 | 4623 NW 53RD AVE STE 1 GAINESVILLE, FL 32653 | AFLAC | $22 | $0 | $22 | 0.04% |
| TIMOTHY E MILLER3 | 604 HARVEST DR DALLASTOWN, PA 17313 | AFLAC | $19 | $0 | $19 | 0.04% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $16 | $0 | $16 | 0.03% |
| RYAN ECKENRODE3 | 3601 W MARKET ST APT 1 YORK, PA 17404 | AFLAC | $16 | $0 | $16 | 0.03% |
| KRISTEN MURRAY3 | 3506 ASH ST HARRISBURG, PA 17109 | AFLAC | $14 | $0 | $14 | 0.03% |
| CHARLES SAULSBERY3 Filed as: CHARLES L SAULSBERY | PO BOX 5320 WILMINGTON, DE 19808 | AFLAC | $12 | $0 | $12 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $11 | $0 | $11 | 0.02% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $9 | $0 | $9 | 0.02% |
| STANLEY HAROLD GREENE3 | 2443 NEWTOWN DR HARRISBURG, PA 17110 | AFLAC | $9 | $0 | $9 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $8 | $0 | $8 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $8 | $0 | $8 | 0.02% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $8 | $0 | $8 | 0.02% |
| CHRIS WALKER3 Filed as: CHRIS (JOHN) WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $6 | $0 | $6 | 0.01% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $6 | $0 | $6 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $6 | $0 | $6 | 0.01% |
| KENNETH B COFER3 | 2950 SUMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $3 | $0 | $3 | 0.01% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $3 | $0 | $3 | 0.01% |
| JAMES M PITZ3 | 84 MINK DR CATAULA, GA 31804 | AFLAC | $1 | $0 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $32K |
| MURRAY SECURUS BROKER | Insurance agents and brokers Service code 22 | 39 N DUKE STREET LANCASTER, PA 17602 | $30K |
| 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 | — | $13K |
| 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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $125K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $125K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $125K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 164 | $716K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.