| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES DB3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $3K | $546 | $3K | 2.45% |
| MURRAY INSURANCE ASSOCIATES DB3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $4K | $601 | $5K | 5.74% |
| MURRAY INSURANCE ASSOCIATES DB3 | PO BOX 1728 LANCASTER, PA 19608 | STANDARD INSURANCE COMPANY | $4K | $566 | $4K | 6.67% |
| MURRAY INSURANCE ASSOCIATES DB3 | PO BOX 1728 LANCASTER, PA 19608 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 36.31% |
| MURRAY INSURANCE ASSOCIATES DB3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $842 | $272 | $1K | 4.39% |
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 | 309 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 404 | $127K |
| Vision | STANDARD INSURANCE COMPANY | 406 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 127 | $64K |
| Short-term disability | STANDARD INSURANCE COMPANY | 152 | $86K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 309 | $747K |
| Other | HCC LIFE INSURANCE COMPANY | 353 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.