| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN BOWMANSVILLE, PA 17507 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.99% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | 39 NORTH DUKE STREET LANCASTER, PA 17602 | HARTLAND | $517 | $0 | $517 | 3.32% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | HARTLAND | $262 | $0 | $262 | 1.68% |
| LACHER AND ASSOCIATES INSURANCE3 Filed as: LACHER & ASSOCIATES INS. AGENCY INC | 632 EAST BROAD STREET SOUDERTON, PA 18964 | HARTLAND | $262 | $0 | $262 | 1.68% |
| MURRAY INSURANCE ASSOCIATES4 Filed as: MURRAY INSURANCE ASSOC. INC. | 772 LITITZ PIKE LITITZ, PA 17543 | PRE-PAID LEGAL SERVICES INC, DBA LEGALSHIEL | $743 | $0 | $743 | 8.23% |
| KIMBERLY A. WOODS4 | PO BOX 416 WOODLAND PARK, CO 80866 | PRE-PAID LEGAL SERVICES INC, DBA LEGALSHIEL | $535 | $0 | $535 | 5.92% |
| DAVID SPANGLER JR.4 | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES INC, DBA LEGALSHIEL | $481 | $0 | $481 | 5.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS INC EIN 35-1846036 ADMIN | Claims processing Service code 12 | — | $143K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $35K |
| 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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $169K |
| Vision | HARTLAND | 359 | $16K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $169K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $169K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $169K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 212 | $646K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 982 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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.