| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.39% |
| SUSAN R MCSHERRY3 Filed as: SUSAN R. MCSHERRY | 1330 BRIARGATE DRIVE YORK, PA 17404 | AFLAC | $2K | $1 | $2K | 3.04% |
| JANE N ARTMAN3 Filed as: JANE N. ARTMAN | 402 LEE CT. YORK, PA 17406 | AFLAC | $973 | $0 | $973 | 1.82% |
| STEPHEN BRETZ3 | 7950 TANGLEWOOD DRIVE NEW PORT RICHEY, FL 34654 | AFLAC | $756 | $0 | $756 | 1.41% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $536 | $1 | $537 | 1.00% |
| ADAM DANIEL LEVINE3 | 2352 SLATER HILL LN E YORK, PA 17406 | AFLAC | $531 | $0 | $531 | 0.99% |
| DIANNE L MARTIN3 Filed as: DIANNE L. MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $348 | $0 | $348 | 0.65% |
| JASON E FERGER3 Filed as: JASON E. FERGER | 3706 EAGLEWOOD ST. VALRICO, FL 33596 | AFLAC | $231 | $0 | $231 | 0.43% |
| C A LUPP INC3 Filed as: CA LUPP INC | 940 E PARK DR, STE 301 HARRISBURG, PA 17111 | AFLAC | $212 | $1 | $213 | 0.40% |
| LISA H PERRY3 Filed as: LISA H. PERRY | 1650 SAND LAKE RD, STE 201D ORLANDO, FL 32809 | AFLAC | $153 | $0 | $153 | 0.29% |
| EVA M ALEXANDER3 | 119 WINDING HILL DRIVE LANCASTER, PA 17601 | AFLAC | $152 | $0 | $152 | 0.28% |
| ROBERT W RICHARDSON3 | 1860 HUNTERS FORK RD BELINGTON, WV 26250 | AFLAC | $138 | $0 | $138 | 0.26% |
| TODD E SHENBERGER3 | PO BOX 20412 ALBUQUERQUE, NM 87154 | AFLAC | $137 | $0 | $137 | 0.26% |
| KIMBERLY J SCHUCHART3 | 8 SPRUCE LN NEW OXFORD, PA 17350 | AFLAC | $107 | $3 | $110 | 0.21% |
| RANDALL D NAFTAL3 | 2 STATION SQ STE 201 37 NORTH VALLEY ROAD PAOLI, PA 19301 | AFLAC | $79 | $0 | $79 | 0.15% |
| GERALD L WALSH3 | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $75 | $0 | $75 | 0.14% |
| MELYNDA S HASSELBACH3 | 53 BLUE ROCK RD MILLERSVILLE, PA 17551 | AFLAC | $75 | $0 | $75 | 0.14% |
| BRIAN L HURST3 Filed as: BRIAN L. HURST | 255 BUTLER AVE, STE 104 LANCASTER, PA 17601 | AFLAC | $68 | $0 | $68 | 0.13% |
| DAVID W RANCK3 | 848 E MAIN ST, STE 800 EPHRATA, PA 17522 | AFLAC | $45 | $0 | $45 | 0.08% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE RD GETTYSBURG, PA 17325 | AFLAC | $43 | $0 | $43 | 0.08% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $36 | $0 | $36 | 0.07% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $25 | $0 | $25 | 0.05% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $25 | $0 | $25 | 0.05% |
| KIMMON R GUSEMAN3 | 47 E FAYETTE ST UNIT 259 UNIONTOWN, PR 15401 | AFLAC | $25 | $0 | $25 | 0.05% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $19 | $0 | $19 | 0.04% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR, STE 301 HARRISBURG, PA 17111 | AFLAC | $16 | $0 | $16 | 0.03% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $16 | $0 | $16 | 0.03% |
| BONITA REID3 Filed as: BONITA REID (KLINE) | 200 TOWNHOUSE RD SANGERVILLE, ME 04479 | AFLAC | $13 | $0 | $13 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $10 | $0 | $10 | 0.02% |
| RPM LTD3 | 25 WEATHERBY CIR SAVANNAH, GA 31405 | AFLAC | $10 | $0 | $10 | 0.02% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $9 | $0 | $9 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $9 | $0 | $9 | 0.02% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY, APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $7 | $0 | $7 | 0.01% |
| RICHARD J PURISKY3 | 244 CROSS CREEK TRL BANNER ELK, NC 28604 | AFLAC | $6 | $0 | $6 | 0.01% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IA 60523 | AFLAC | $2 | $0 | $2 | 0.00% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 8.28% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 8.45% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $320 | $0 | $320 | 3.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AP BENEFIT ADVISORS, LLC ASSUREDPAR EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $17K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $5K |
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $3K |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 91 | $56K |
| Vision(2 contracts, 2 carriers) | AFLAC | 91 | $63K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 110 | $83K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 110 | $86K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 87 | $452K |
| Other | AFLAC | 48 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.