| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MURRAY GROUP3 Filed as: MURRAY INSURANCE | DBA MURRAY SECURUS PO BOX 1728 LANCASTER, PA 17608 | HM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| SOMERSET BENEFITS LLC3 | DBA HEALTHFIRST 920 CASATT ROAD STE 202 BERWYN, PA 19335 | HM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MURRAY INS ASSOC INC3 | 454 NEW HOLLAND AVE SUITE 300 LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.28% |
| SOMERSET BENEFITS LLC3 | 920 CAFFATT ROAD SUITE 202 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 NONE | Contract Administrator; Claims processing Service code 12 | — | $95K |
| MURRAY INSURANCE ASSOCIATES INC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 35 N DUKE ST LANCASTER, PA 17602 | $28K |
| HEALTHFIRST NONE | Consulting fees; Insurance agents and brokers Service code 22 | 920 CASSATT ROAD SUITE 202 BERWYN, PA 19312 | $4K |
| EXPRESS SCRIPTS HOLDING COMPANY EIN 43-1420563 NONE | Other services; Other fees Service code 49 | — | $3K |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HM LIFE INSURANCE COMPANY | 173 | $343K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $232K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $232K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $232K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $232K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $232K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 173 | $343K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.