| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | — | HIGHMARK INC | $32K | — | $32K | 3.88% |
| EMERSON REID LLC3 | — | HIGHMARK INC | $17K | — | $17K | 2.08% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | C/O BENECHOICE ENROLLMENT SOL LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 10.42% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | 39 NORTH DUKE STREET LANCASTER, PA 17608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 6.70% |
| T NASH SKILES INC3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 4.03% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $239 | $2K | 2.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH INSURANCE LLC | 404 VIRGINIA STREET STURGIS, MI 49091 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $437 | $2K | 1.75% |
| ASHLY ELCOCK3 | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $988 | $101 | $1K | 1.13% |
| FRANCISCO PEREZ-SALINAS3 | 889 S CENTERVILLE ROAD STURGIS, MI 49091 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $956 | $89 | $1K | 1.08% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $777 | $181 | $958 | 0.99% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $746 | $108 | $854 | 0.88% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON M IGNASIAK | 8427 MUIRLAND DRIVE CLEVELAND, OH 44147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $478 | $28 | $506 | 0.52% |
| MAGDA ADRIEN DARLING3 | 12 ORONO ROAD PORTLAND, ME 04102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $423 | — | $423 | 0.44% |
| KEYSTONE BENEFIT GROUP3 Filed as: KEYSTONE BENEFIT SERVICES LLC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | — | $259 | 0.27% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH JANE GRIFFITHS | 3893 SWEET ARROW LAKE ROAD PINE GROVE, PA 17963 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | — | $215 | 0.22% |
| CASEY H EBBERT3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $1 | $156 | 0.16% |
| ROBERT T WALKER3 | 10 RED BARN CIRCLE SCARBOROUGH, ME 04074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $53 | $114 | 0.12% |
| THOMAS F HAYES3 | 2205 OREGON PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $7 | $105 | 0.11% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.10% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM H HERTZOG | 13700 STATE ROAD NORTH ROYALTON, OH 44133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $8 | $73 | 0.08% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $11 | $22 | 0.02% |
| SUZANNE ELIZABETH HARDY3 | 7245 WILLOW WAY NORTH OLMSTED, OH 44070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| GEORGE POURIA3 | 22 SANBORN TERRACE AMESBURY, MA 01913 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.01% |
| EMPLOYEE BENEFIT CONSULTANTS3 | C/O COLONIAL LIFE INS CO PORTLAND, ME 04101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BRIAN LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KRISTEN V LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MURRAY INS ASSOC INC3 | 454 NEW HOLLAND AVENUE SUITE 300 LANCASTER, PA 17602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | 10.43% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE & BENEFITS | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.55% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 162 | $826K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $80K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $80K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $80K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 106 | $97K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.