| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC. | $20K | $0 | $20K | 2.58% |
| DONALD CHARLES ZEPLIN3 | 108 BYNFIELD WAY HARRISBURG, PA 17112 | AFLAC | $6K | $0 | $6K | 11.39% |
| WILLIAM L MURRAY JR3 Filed as: WILLIAM L. MURRAY JR | 604 HERITAGE COURT MECHANICSBURG, PA 17050 | AFLAC | $2K | $0 | $2K | 3.88% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | AFLAC | $1K | $0 | $1K | 2.26% |
| MJ INSURANCE3 Filed as: TODD DAY AND VARIOUS AGENTS | PO BOX 123 DORNSIFE, PA 17823 | AFLAC | $230 | $0 | $230 | 0.46% |
| JOHN W DRAY3 Filed as: JOHN W. DRAY | 123 THOMAS ROAD MCMURRAY, PA 15317 | AFLAC | $162 | $0 | $162 | 0.32% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER A. LUPP | 5010 EAST TRINDLE ROAD, SUITE 201 MECHANICSBURG, PA 17050 | AFLAC | $146 | $0 | $146 | 0.29% |
| KRISTEN MURRAY3 | 3506 ASH STREET HARRISBURG, PA 17109 | AFLAC | $84 | $0 | $84 | 0.17% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 8.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 10.55% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRAY HILL CIRCLE LANCASTER, PA 17601 | HARTFORD LIFE AND ACCIDENT | $604 | $0 | $604 | 2.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 12.64% |
| ASSUREDPARTNERS3 Filed as: INGROUP ASSOCIATES INC | 448 MURRAY HILL CIRCLE LANCASTER, PA 17601 | HARTFORD LIFE AND ACCIDENT | $3 | $0 | $3 | 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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 159 | $771K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $48K |
| Vision | HIGHMARK INC. | 159 | $771K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 310 | $39K |
| Short-term disability | AFLAC | 62 | $50K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 310 | $39K |
| Prescription drug | HIGHMARK INC. | 159 | $771K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 310 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.