| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOC INC | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 5.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVC., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.28% |
| C A LUPP INC3 Filed as: C A LUPP INC AND OTHER AGENTS | 5010 EAST TRINDLE ROAD, SUITE 201 MECHANICSBURG, PA 17050 | AFLAC | $779 | $27 | $806 | 3.62% |
| USAN R. MCSHERRY3 | 123 CHATUGA DRIVE LOUDON, TN 37774 | AFLAC | $695 | $28 | $723 | 3.25% |
| JANE N ARTMAN3 Filed as: JANE N. ARTMAN | 402 LEE COURT YORK, PA 17406 | AFLAC | $356 | $0 | $356 | 1.60% |
| STEPHEN BRETZ3 | 5507 PINECREST DRIVE NEW PORT RICHEY, FL 34653 | AFLAC | $295 | $0 | $295 | 1.33% |
| KIMBERLY J SCHUCHART3 Filed as: KIMBERLY J. SCHUCHART | 8 SPRUCE LANE NEW OXFORD, PA 17350 | AFLAC | $196 | $87 | $283 | 1.27% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY S. ALMODOVAR | 3605 VARTAN WAY, SUITE 304 HARRISBURG, PA 17110 | AFLAC | $247 | $27 | $274 | 1.23% |
| ADAM DANIEL LEVINE3 | 2352 SLATER HILL LANE EAST YORK, PA 17406 | AFLAC | $194 | $0 | $194 | 0.87% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 110 | $67K |
| Vision | STANDARD INSURANCE COMPANY | 110 | $67K |
| Life insurance | STANDARD INSURANCE COMPANY | 110 | $67K |
| Short-term disability | STANDARD INSURANCE COMPANY | 110 | $67K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 110 | $89K |
| 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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.