| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR., SUITE 4500 HUNT VALLEY, MD 21031 | HIGHMARK INC. | $63K | — | $63K | 3.40% |
| MURRAY INS ASSOC INC3 | 454 NEW HOLLAND AVE., SUITE 300 LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 7.63% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | PO BOX 1728 LANCASTER, PA 176081728 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.06% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 772 LITITZ PIKE LITITZ, PA 175437314 | METROPOLITAN LIFE INSURANCE COMPANY | $505 | $17 | $522 | 0.46% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | 39 NORTH DUKE ST. LANCASTER, PA 17602 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $407 | — | $407 | 5.00% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 186 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 518 | $112K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 350 | $8K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $138K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $138K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $138K |
| Prescription drug | HIGHMARK INC. | 186 | $1.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 518 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.