| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES Filed as: MURRAY INSURANCE ASSOCIATES INC | 39 N. DUKE STREET LANCASTER, PA 17603 | FEDERAL INSURANCE COMPANY | $285 | — | $285 | 16.67% |
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 | 677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 1,402 | $8.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,549 | $406K |
| Vision | STANDARD INSURANCE COMPANY | 640 | $100K |
| Life insurance | GUARDIAN | 893 | $516K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 1,402 | $517K |
| Long-term disability | GUARDIAN | 893 | $516K |
| Prescription drug | HIGHMARK INC. | 590 | $982K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,549 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.