| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | 2500 ELMERTON AVE HARRISBURG, PA 17100 | BCS INSURANCE COMPANY | $0 | $9K | $9K | 3.00% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC | 454 NEW HOLLAND AVE STE 300 LANCASTER, PA 17602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.69% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC. | PO BOX 1728 LANCASTER, PA 17608 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.39% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC. | PO BOX 1728 LANCASTER, PA 17608 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 13.83% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $397 | $0 | $397 | 11.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $82K |
| MURRAY INSURANCE & ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 39 N. DUKE STREET LANCASTER, PA 17602 | $27K |
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 | 104 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 135 | $47K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 135 | $47K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $10K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 104 | $289K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
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.