| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES DB3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $2K | $2K | $3K | 4.95% |
| MURRAY INSURANCE ASSOCIATES DB3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $2K | $2K | $4K | 10.37% |
| MURRAY INSURANCE ASSOCIATES DB3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $2K | $2K | $4K | 10.71% |
| MURRAY INSURANCE ASSOCIATES DB3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $517 | $836 | $1K | 6.77% |
| MURRAY INSURANCE ASSOCIATES DB3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $11K | $1K | $12K | 66.82% |
| EVA M ALEXANDER3 | 119 WINDING HILL DRIVE LANCASTER, PA 17601 | AFLAC | $761 | $36 | $797 | 9.04% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $245 | $7 | $252 | 2.86% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $159 | $7 | $166 | 1.88% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $23 | — | $23 | 0.26% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $10 | — | $10 | 0.11% |
| BONITA REID3 | 200 TOWNHOUSE ROAD SANGERVILLE, ME 04479 | AFLAC | $7 | — | $7 | 0.08% |
| JASON E FERGER3 | 3706 EAGLEWOOD STREET VALRICO, FL 33596 | AFLAC | $7 | — | $7 | 0.08% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON ROAD STE 100 YORK, PA 17402 | AFLAC | $7 | — | $7 | 0.08% |
| LORI L ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $7 | — | $7 | 0.08% |
| C A LUPP INC3 Filed as: CA LUPP INC. | 5010 E TRINDLE ROAD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $7 | — | $7 | 0.08% |
| LISA H PERRY3 | 1650 SAND LAKE ROAD STE 201D ORLANDO, FL 32809 | AFLAC | $6 | — | $6 | 0.07% |
| STEPHEN BRETZ3 | 7950 TANGLEWOOD DRIVE NEW PORT RICHEY, FL 34654 | AFLAC | $4 | — | $4 | 0.05% |
| RANDALL D NAFTAL3 | 2 STATION SQUARE STE 201 37 NORTH VALLEY ROAD PAOLI, PA 19301 | AFLAC | $4 | — | $4 | 0.05% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $4 | — | $4 | 0.05% |
| RICHARD J PURISKY3 | 244 CROSS CREEK TRL BANNER ELK, NC 28504 | AFLAC | $3 | — | $3 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $3 | — | $3 | 0.03% |
| LARY D MYERS3 | 1151 S GLEN MEADOW LOOP LECANTO, FL 34461 | AFLAC | $3 | — | $3 | 0.03% |
| RANDALL SIMS3 | 138 DERR DRIVE COLLEGEVILLE, PA 19426 | AFLAC | $2 | — | $2 | 0.02% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $2 | — | $2 | 0.02% |
| KIMMON R GUSEMAN3 | 47 E FAYETTE STREET UNIT 259 UNIONTOWN, PA 15401 | AFLAC | $2 | — | $2 | 0.02% |
| MARK D BARBIER3 | 23 CROYDON LANE OAK BROCK, IL 60523 | AFLAC | $1 | — | $1 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADLEPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | — | $1 | 0.01% |
| IRENE E BROOKS3 | 101 COPPER BEECH LANE WOMELSDORF, PA 19557 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID W RANCK3 | 848 E MAIN STREET STE 800 EPHRATA, PA 17522 | AFLAC | $1 | — | $1 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.01% |
| MURRAY INSURANCE ASSOCIATES3 | 39 N DUKE STREET PO BOX 1728 LANCASTER, PA 17608 | UMUN LIFE INSURANCE COMPANY OF AMERICA | $618 | — | $618 | 19.64% |
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 | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 364 | $70K |
| Vision | STANDARD INSURANCE COMPANY | 365 | $20K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 122 | $44K |
| Short-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 100 | $50K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 277 | $712K |
| Other | HCC LIFE INSURANCE COMPANY | 277 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.