| 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 | $2K | $9K | 7.39% |
| J D LUEDTKE INC3 Filed as: JD LUEDTKE INC | 313 4TH ST HANOVER, PA 17331 | AFLAC | $2K | $112 | $2K | 4.05% |
| MURRAY INS ASSOC INC3 | 39 N DUKE ST LANCASTER, PA 17602 | AFLAC | $1K | $0 | $1K | 2.79% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $663 | $42 | $705 | 1.67% |
| JAMES HARMON3 | 3721 OLDTOWN RD SHAWSVILLE, VA 24162 | AFLAC | $403 | $98 | $501 | 1.19% |
| ANDREA LYNN BENNETT3 | PO BOX 1 PILLOW, PA 17080 | AFLAC | $474 | $0 | $474 | 1.12% |
| MICHAEL F BECK3 | 30209 MARINERS LN OCEAN VIEW, DE 19970 | AFLAC | $432 | $0 | $432 | 1.02% |
| C H ROBINSON & ASSOCIATES INC3 | 4735 NW 53RD AVE STE A GAINESVILLE, FL 22767 | AFLAC | $386 | $0 | $386 | 0.92% |
| DAVID W BRANDT3 | 6908 FOX CHASE RD NEW MARKET, MD 21774 | AFLAC | $111 | $0 | $111 | 0.26% |
| BRANDT INC3 | 360 LOUCKS RD STE 305 YORK, PA 17404 | AFLAC | $71 | $0 | $71 | 0.17% |
| BRANDON SEITZ3 | 1835 HIGHLAND AVENUE RD GETTYSBURG, PA 17325 | AFLAC | $46 | $23 | $69 | 0.16% |
| BONITA REID3 | 200 TOWNHOUSE RD SANGERVILLE, ME 04479 | AFLAC | $38 | $0 | $38 | 0.09% |
| CHRIS H ROBINSON3 | 9969 NW 16TH RD GAINESVILLE, FL 32606 | AFLAC | $35 | $0 | $35 | 0.08% |
| JAMES G TAVENNER3 | 716 LEE DR GETTYSBURG, PA 17324 | AFLAC | $33 | $0 | $33 | 0.08% |
| BERNARD J NICHOLS3 | 247 BLACK OAK DR LANCASTER, PA 17602 | AFLAC | $24 | $0 | $24 | 0.06% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $23 | $0 | $23 | 0.05% |
| TIMOTHY E MILLER3 | 604 HARVEST DR DALLASTOWN, PA 17313 | AFLAC | $21 | $0 | $21 | 0.05% |
| RYAN ECKENRODE3 | 3601 W MARKET ST APT 1 YORK, PA 17404 | AFLAC | $18 | $0 | $18 | 0.04% |
| KRISTEN MURRAY3 | 3506 ASH ST HARRISBURG, PA 17109 | AFLAC | $15 | $0 | $15 | 0.04% |
| CHARLES SAULSBERY3 Filed as: CHARLES L SAULSBERY | PO BOX 5320 WILMINGTON, DE 19808 | AFLAC | $13 | $0 | $13 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $9 | $0 | $9 | 0.02% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $9 | $0 | $9 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $7 | $0 | $7 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $7 | $0 | $7 | 0.02% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $7 | $0 | $7 | 0.02% |
| CHRIS WALKER3 Filed as: CHRIS (JOHN) WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $7 | $0 | $7 | 0.02% |
| STANLEY HAROLD GREENE3 | 2443 NEWTOWN DR HARRISBURG, PA 17110 | AFLAC | $6 | $0 | $6 | 0.01% |
| EARMON ALLEN JOHNSON3 | 516 RYAN DR HARRISBURG, PA 17110 | AFLAC | $6 | $0 | $6 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $5 | $0 | $5 | 0.01% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $3 | $0 | $3 | 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 | $2 | $0 | $2 | 0.00% |
| 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 | — | $30K |
| MURRAY SECURUS BROKER | Insurance agents and brokers Service code 22 | 39 N DUKE STREET LANCASTER, PA 17602 | $27K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $23K |
| LR WEBBER EIN 25-1301205 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
| 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 | 179 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $120K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $120K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $120K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 134 | $666K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.