| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 | 39 N DUKE ST PO BOX 1728 LANCASTER, PA 17608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $11K | 3.47% |
| PSA FINANCIAL, INC.3 Filed as: PSA INSURANC & FINANCIAL PARTNERS | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.73% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.07% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | PO BOX 1728 LANCASTER, PA 176081728 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.79% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MA 21031 | METROPOLITAN LIFE INSURANCE COMPANY | $637 | — | $637 | 0.63% |
| MURRAY INSURANCE ASSOCIATES3 | 39 N DUKE ST PO BOX 1728 LANCASTER, PA 17608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $162 | $3K | 11.46% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.10% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | METROPOLITAN LIFE INSURANCE COMPANY | $966 | — | $966 | 12.76% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | $514 | — | $514 | 6.79% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $222 | $13 | $235 | 3.10% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | METROPOLITAN LIFE INSURANCE COMPANY | $823 | — | $823 | 20.28% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | $264 | — | $264 | 6.51% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $163 | $13 | $176 | 4.34% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 52 | $12K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $101K |
| Vision | HEARTLAND | 196 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $353K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $324K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $324K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.