| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NHUNG LE PHAN3 | 102 LIBERTY AVENUE ATLANTIC CITY, NJ 08401 | KANSAS CITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.58% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MURRAY RISK MANAGEMENT | 30 NORTH DUKE STREET LANCASTER, PA 17602 | KANSAS CITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.57% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.00% |
| EMERSON REID LLC5 Filed as: EMERSON REID & COMPANY, INC | 669 RIVER DRIVE CENTER, SUITE 305 ELMWOOD PARK, NJ 07407 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.79% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC. | 39 NORTH DUKE STREET LANCASTER, PA 17602 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.08% |
| THE BENECON GROUP3 Filed as: BENECON GROUP INC | PO BOX 5406 LANCASTER, PA 17606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $615 | $0 | $615 | 1.42% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $119 | $119 | 0.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 ADMIN | Claims processing Service code 12 | — | $14K |
| MURRAY SECURUS BROKER | Insurance agents and brokers Service code 22 | 39 N DUKE STREET LANCASTER, PA 17602 | $2K |
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 | 311 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 311 | $43K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 149 | $98K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 149 | $98K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 472 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.