| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | 39 NORTH DUKE STREET LANCASTER, PA 17602 | PRUDENTIAL | $6K | — | $6K | 8.31% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATERS, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | PRUDENTIAL | $516 | — | $516 | 0.78% |
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE STREET P.O. BOX 1728 LANCASTER, PA 17602 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $480 | $7K | 10.64% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $604 | — | $604 | 0.93% |
| EMERSON REID LLC3 | 401 BROADWAY STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $302 | $302 | 0.47% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | 39 NORTH DUKE STREET LANCASTER, PA 17602 | PRUDENTIAL | $2K | — | $2K | 8.06% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | PRUDENTIAL | $232 | — | $232 | 0.75% |
| MJ INSURANCE3 Filed as: MURRAY INSUANCE ASSOCIATES, INC. | 39 NORTH DUKE STREET P.O. BOX 1728 LANCASTER, PA 17608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $414 | $31 | $445 | 10.89% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES, INC. | 448 MURRY HILL CIRCLE LANCASTER, PA 17601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37 | — | $37 | 0.91% |
| EMERSON REID LLC3 | 401 BROADWAY, STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $19 | $19 | 0.46% |
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 | 148 | Currently employed and enrolled or eligible. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL | 145 | $101K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $65K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.