| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $3K | $743 | $3K | 2.38% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $4K | $907 | $5K | 4.87% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | PO BOX 1728 LANCASTER, PA 19608 | STANDARD INSURANCE COMPANY | $3K | $597 | $4K | 6.63% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | PO BOX 1728 LANCASTER, PA 19608 | STANDARD INSURANCE COMPANY | $17K | $574 | $17K | 30.97% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $551 | $278 | $829 | 3.31% |
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 | 317 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 425 | $140K |
| Vision | STANDARD INSURANCE COMPANY | 427 | $25K |
| Life insurance | STANDARD INSURANCE COMPANY | 127 | $57K |
| Short-term disability | STANDARD INSURANCE COMPANY | 171 | $101K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 317 | $846K |
| Other | HCC LIFE INSURANCE COMPANY | 370 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.