| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE STREET LANCASTER, PA 17602 | FPLIC | $12K | — | $12K | 2.71% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | 39 NORTH DUKE STREET LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 16.89% |
| MURRAY INSURANCE ASSOCIATES3 | 39 NORTH DUKE STREET LANCASTER, PA 17602 | AFLAC | $3K | — | $3K | 7.44% |
| C A LUPP INC3 Filed as: C. A. LUPP, INC. | 441 FRIENDSHIP RD, SUITE 102 HARRISBURG, PA 17111 | AFLAC | $2K | $56 | $2K | 6.65% |
| SCOTT CRAY3 | 7849 MANADA COURT HARRISBURG, PA 17112 | AFLAC | $581 | $6 | $587 | 1.57% |
| JOHN E JOHNSON3 Filed as: JOHN E. JOHNSON | 1203 S. MARKET STREET NANTICOKE, PA 18634 | AFLAC | $417 | $54 | $471 | 1.26% |
| JEFFREY CHUBB3 | 520 W. FOURTH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $440 | $15 | $455 | 1.21% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, STE 304 HARRISBURG, PA 17110 | AFLAC | $393 | $19 | $412 | 1.10% |
| JOSPEH B MCGINTY JR3 Filed as: JOSPEH B. MCGINTY, JR. | 520 W. 4TH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $224 | — | $224 | 0.60% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $168 | $16 | $184 | 0.49% |
| STEPHEN D BISSELL3 Filed as: STEPHEN D. BISSELL | 5465 AMANDA DRIVE LAURYS STATION, PA 18059 | AFLAC | $120 | $4 | $124 | 0.33% |
| STEPHEN G SCHULTZ3 Filed as: STEPHEN G. SCHULTZ | 264 LEONARD STREET BLOOMSBURG, PA 17815 | AFLAC | $117 | — | $117 | 0.31% |
| TINA BONCHER3 | 288 COLD SPRING DRIVE JIM THORPE, PA 18229 | AFLAC | $104 | — | $104 | 0.28% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER A. LUPP | 441 FRIENDSHIP RD, STE 102 HARRISBURG, PA 17111 | AFLAC | — | $72 | $72 | 0.19% |
| DOUGLAS R. BORLAND3 | 919 SCOTT STREET WILKES BARRE, PA 18705 | AFLAC | $39 | $13 | $52 | 0.14% |
| SUSAN J CHUBB3 Filed as: SUSAN J. CHUBB | 520 W 4TH STREET, STE 1A WILLIAMSPORT, PA 17701 | AFLAC | $50 | — | $50 | 0.13% |
| ADAM DANIEL LEVINE3 | 200 BUTLER AVE, STE 200 LANCASTER, PA 17601 | AFLAC | $46 | — | $46 | 0.12% |
| STEPHANIE J RITTNER3 Filed as: STEPHANIE J. RITTNER | 109 FONTAINE COURT MONROE TOWNSHIP, NJ 08831 | AFLAC | $13 | — | $13 | 0.03% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FPLIC | 86 | $494K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $97K |
| Vision(2 contracts, 2 carriers) | AFLAC | 116 | $44K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $60K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $60K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.