| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INS ASSOC INC Filed as: MURRAY INSURANCE ASSO. DBA SECURUS | PO BOX 1728 LANCASTER, PA 17608 | SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 13.28% |
| WILLIAM E GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.56% |
| CATHY GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing Service code 12 | 1280 N PLUM STREET LANCASTER, PA 17601 | $227K |
| THE SECURUS GROUP EIN 23-2693087 NONE | Consulting (general); Insurance agents and brokers Service code 16 | 454 NEW HOLLAND AVE, SUITE 300 LANCASTER, PA 17602 | $85K |
| SECURITY LIFE INSURANCE EIN 41-0808596 NONE | Insurance agents and brokers; Claims processing Service code 12 | 1808 COLONIAL VILLAGE LANE, STE 102 LANCASTER, PA 17601 | $65K |
| PPHN EIN 23-2664989 NONE | Claims processing Service code 12 | 480 NEW HOLLAND AVE, STE 7203 LANCASTER, PA 17602 | $34K |
| MULTIPLAN, INC EIN 13-3068979 NONE | Other services; Plan Administrator; Claims processing Service code 12 | 454 NEW HOLLAND AVE, SUITE 300 LANCASTER, PA 17602 | $7K |
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 | 610 | 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) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SECURITY LIFE INSURANCE COMPANY | 311 | $66K |
| Long-term disability | SECURITY LIFE INSURANCE COMPANY | 311 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.