| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $2K | $283 | $2K | 3.73% |
| SUSAN R MCSHERRY3 Filed as: SUSAN R. MCSHERRY | 123 CHATUGA DR LONDON, TN 37774 | AFLAC | $2K | $0 | $2K | 3.40% |
| KIMBERLY J SCHUCHART3 | 8 SPRUCE LN NEW OXFORD, PA 17350 | AFLAC | $990 | $0 | $990 | 2.04% |
| JANE N ARTMAN3 | 402 LEE CT YORK, PA 17406 | AFLAC | $858 | $0 | $858 | 1.77% |
| STEPHEN BRETZ3 | 5507 PINECREST DR NEW PROT RICHEY, FL 34653 | AFLAC | $648 | $0 | $648 | 1.34% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $611 | $0 | $611 | 1.26% |
| C A LUPP INC3 Filed as: C A LUPP INC. | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $454 | $0 | $454 | 0.94% |
| ADAM DANIEL LEVINE3 | 2352 SLATER HILL LN E YORK, PA 17406 | AFLAC | $409 | $0 | $409 | 0.84% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $317 | $0 | $317 | 0.65% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $198 | $0 | $198 | 0.41% |
| EVA M ALEXANDER3 | 119 WINDING HILL DR LANCASTER, PA 17601 | AFLAC | $152 | $0 | $152 | 0.31% |
| LISA H PERRY3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $126 | $0 | $126 | 0.26% |
| TODD E SHENBERGER3 | PO BOX 20412 ALBUQUERQUE, NM 87154 | AFLAC | $94 | $0 | $94 | 0.19% |
| BRIAN L HURST3 | 255 BUTLER AVE STE 104 LANCASTER, PA 17601 | AFLAC | $68 | $0 | $68 | 0.14% |
| RANDALL D NAFTAL3 | 2 STATION SQ STE 201 37 NORTH VALLEY RD PAOLI, PA 19301 | AFLAC | $63 | $0 | $63 | 0.13% |
| MELYNDA S HASSELBACH3 | 53 BLUE ROCK RD MILLERSVILLE, PA 17551 | AFLAC | $58 | $0 | $58 | 0.12% |
| ROBERT W RICHARDSON3 | 1860 HUNTERS FORK RD BELINGTON, WV 26250 | AFLAC | $46 | $0 | $46 | 0.09% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 WPHRATA, PA 17522 | AFLAC | $39 | $0 | $39 | 0.08% |
| RAMDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $36 | $0 | $36 | 0.07% |
| MARILYN BRANNEN3 Filed as: MARILYN W BRANNEN | 648 GOLDENVILLE RD GETTYSBURG, PA 17325 | AFLAC | $32 | $0 | $32 | 0.07% |
| GERALD L WALSH3 | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $25 | $0 | $25 | 0.05% |
| KIMMON R GUSEMAN3 | 47 E FAYETTE ST UNIT 259 UNIONTOWN, PA 15401 | AFLAC | $25 | $0 | $25 | 0.05% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $24 | $0 | $24 | 0.05% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $19 | $0 | $19 | 0.04% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $19 | $0 | $19 | 0.04% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $14 | $0 | $14 | 0.03% |
| BONITA REID3 Filed as: BONITA KLINE | 200 TOWNHOUSE RD SANGERVILLE, ME 04479 | AFLAC | $13 | $0 | $13 | 0.03% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $11 | $0 | $11 | 0.02% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE RD GETTYSBURG, PA 17325 | AFLAC | $11 | $0 | $11 | 0.02% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $10 | $0 | $10 | 0.02% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $9 | $0 | $9 | 0.02% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $8 | $0 | $8 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $8 | $0 | $8 | 0.02% |
| MARTIN E BYSTROM3 Filed as: MARTIN E BYSTEROM | 253 MINOCRA 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% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $2K | $329 | $2K | 8.63% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $2K | $300 | $2K | 8.91% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $240 | $90 | $330 | 3.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED PARTNERS (CENTRAL PA) EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $21K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $5K |
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $922 |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 85 | $58K |
| Vision(2 contracts, 2 carriers) | AFLAC | 85 | $57K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 103 | $72K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 103 | $77K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 85 | $488K |
| Other | AFLAC | 40 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.