| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 6.65% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $308 | $0 | $308 | 1.00% |
| 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 | 7.18% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $302 | $0 | $302 | 1.19% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC. | 454 NEW HOLLAND AVE STE 300 LANCASTER, PA 17602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 11.23% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 300 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $244 | $0 | $244 | 2.52% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $788 | $0 | $788 | 22.16% |
| MURRAY INSURANCE ASSOCIATES3 | 454 NEW HOLLAND AVE STE 300 LANCASTER, PA 17602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $317 | $0 | $317 | 8.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $69K |
| MURRAY INSURANCE & ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 39 N. DUKE STREET LANCASTER, PA 17602 | $28K |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 159 | $47K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 159 | $47K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $25K |
| 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 | 0 | $0 |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.