| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 Filed as: THE BENECON GROUP INC | PO BOX 5406 LANCASTER, PA 17606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $102K | — | $102K | 11.14% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES INC | 39 N DUKE ST PO BOX 1728 LANCASTER, PA 176022842 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.08% |
| JONATHAN DOLIN3 | 123 S 3RD STREET EASTON, PA 180424727 | METROPOLITAN LIFE INSURANCE COMPANY | $211 | — | $211 | 0.20% |
| RONNIE BLAUFARB3 | 123 S 3RD STREET EASTON, PA 180424727 | METROPOLITAN LIFE INSURANCE COMPANY | $204 | — | $204 | 0.19% |
| CRAIG MUSCHKO3 | 123 3RD STREET EASTON, PA 180424727 | METROPOLITAN LIFE INSURANCE COMPANY | $204 | — | $204 | 0.19% |
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 | 717 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 717 | $912K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 717 | $108K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 717 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.