| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | P.O. BOX 1728 LANCASTER, PA 17608 | HM INSURANCE COMPANY | $24K | — | $24K | 8.55% |
| GAYLORD I KAUFFMAN3 Filed as: GAYLORD KAUFFMAN | 315 GREEN RIDGE SR, STE H1 NEW CASTLE, PA 16015 | HM INSURANCE COMPANY | — | — | $0 | 0.00% |
| JENNIFER DEPROSPO3 | 750 LAKE DR LEBANON, PA 17042 | HM INSURANCE COMPANY | — | — | $0 | 0.00% |
| JIM BROOKS3 | 1253 WEST LEESPORT RD LEESPORT, PA 19533 | HM INSURANCE COMPANY | — | — | $0 | 0.00% |
| SAMUEL ALBERT BOORE JR3 | 110 RODNEY LANE CAMP HILL, PA 17011 | HM INSURANCE COMPANY | — | — | $0 | 0.00% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE SR, STE H1 NEW CASTLE, PA 16105 | AMERICA UNITED LIFE INSURANCE COMPANY | $12K | $6K | $18K | 16.83% |
| MURRAY INSURANCE ASSOCIATES Filed as: MURRAY INSURANCE ASSOCIATES INC | 39 N DUKE ST LANCASTER, PA 17602 | HIGHMARK | $705 | — | $705 | 4.96% |
| SAMUEL ALBERT BOORE JR3 | 110 RODNEY LANE CAMP HILL, PA 17011 | AMERICAN HERITAGE LIFE | $175 | — | $175 | 4.42% |
| JENNIFER DEPROSPO3 | 750 LAKE DR LEBANON, PA 17042 | AMERICAN HERITAGE LIFE | $92 | — | $92 | 2.32% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE SR, STE H1 NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE | $78 | — | $78 | 1.97% |
| JIM BROOKS3 | 1253 WEST LEESPORT RD LEESPORT, PA 19533 | AMERICAN HERITAGE LIFE | $32 | — | $32 | 0.81% |
| JUDY KAUFFMAN3 | 315 GREEN RIDGE SR, STE H1 NEW CASTLE, PA 16015 | AMERICAN HERITAGE LIFE | $14 | — | $14 | 0.35% |
| EVA M ALEXANDER3 Filed as: EVA ALEXANDER | 119 WINDING HILL DR LANCASTER, PA 17601 | AFLAC | $74 | — | $74 | 5.34% |
| D J STONE3 | 918 DARBY LANE LANCASTER, PA 17601 | AFLAC | $48 | — | $48 | 3.46% |
| JANE N ARTMAN3 | 75 ARTMAN AVE HELLAM, PA 17406 | AFLAC | $33 | — | $33 | 2.38% |
| RPM LTD3 | P O BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $15 | — | $15 | 1.08% |
| MELYNDA S HASSELBACH3 Filed as: MELYNDA S. HASSELBACH | 53 BLUE ROCK RD MILLERSVILLE, PA 17551 | AFLAC | $13 | — | $13 | 0.94% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $8 | — | $8 | 0.58% |
| DAVID W RANCK3 | P O BOX 277 EPHRATA, PA 17522 | AFLAC | $7 | — | $7 | 0.51% |
| SHELLY S GWIN3 | 94 OATFIELD DR DENVER, PA 17517 | AFLAC | $5 | — | $5 | 0.36% |
| DIANNE L MARTIN3 Filed as: DIANNE L. MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $3 | — | $3 | 0.22% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $2 | — | $2 | 0.14% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 2405 PARK DRIVE, STE 101 HARRISBURG, PA 17110 | AFLAC | $2 | — | $2 | 0.14% |
| MG BERGER INC3 | 1020 N DELAWARE AVE, STE 4 PHILADELPHIA, PA 19125 | AFLAC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Contract Administrator; Insurance services Service code 13 | — | $130K |
| MURRAY INSURANCE ASSOCIATES INC NONE | Other fees; Insurance brokerage commissions and fees Service code 53 | 39 N DUKE ST LANCASTER, PA 17602 | $0 |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE | 7 | $4K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 247 | $84K |
| Vision | HIGHMARK | 229 | $14K |
| Life insurance | AMERICA UNITED LIFE INSURANCE COMPANY | 213 | $105K |
| Short-term disability(2 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 213 | $106K |
| Long-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 213 | $105K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE COMPANY | 167 | $281K |
| Other(2 contracts, 2 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 213 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.