| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INS ASSOC INC3 Filed as: MURRAY RISK MGMT & INS | 39 N DUKE STREET LANCASTER, PA 17608 | GEISINGER HEALTH PLAN | $42K | — | $42K | 2.50% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | 39 N DUKE STREET LANCASTER, PA 17602 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $8K | — | $8K | 2.57% |
| MURRAY INSURANCE ASSOCIATES Filed as: MURRAY INSURANCE ASSOCIATES INC | 39 N DUKE STREET LANCASTER, PA 17602 | GEISINGER QUALITY OPTIONS, INC. | $5K | — | $5K | 2.50% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | 39 N DUKE STREET LANCASTER, PA 17602 | FIRST CLASS COACH COMPANY AETNA | $6K | — | $6K | 3.45% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | 454 NEW HOLLAND AVE SUITE 300 LANCASTER, PA 17602 | GUARDIAN | $3K | — | $3K | 4.62% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | GEISINGER HEALTH PLAN | 225 | $2.5M |
| Dental | GUARDIAN | 95 | $64K |
| Vision | HIGHMARK INC | 216 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.