| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | 39 NORTH DUKE STREET LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.91% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | 39 NORTH DUKE STREET LANCASTER, PA 17602 | NATIONAL VISION ADMINISTRATORS, LLC | $858 | $0 | $858 | 5.00% |
| KIMBERLY A. WOODS4 | 335 SOUTH CEDAR STREET APT 1 LITITZ, PA 17543 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $724 | $0 | $724 | 12.81% |
| MUURAY INSURANCE ASSOCIATES INC.4 | 39 NORTH DUKE STREET LANCASTER, PA 17602 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $294 | $0 | $294 | 5.20% |
| DAVID SPANGLER JR.4 | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $116 | $0 | $116 | 2.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS INC EIN 35-1846036 ADMIN | Claims processing Service code 12 | — | $126K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $34K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $12K |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $340K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 361 | $17K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $340K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $340K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $340K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 228 | $492K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
No prospect flags tripped on this filing.