| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $4K | $819 | $5K | 5.57% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $5K | $499 | $5K | 9.61% |
| MURRY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $1K | $269 | $2K | 4.10% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $3K | $451 | $3K | 8.24% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $9K | $298 | $10K | 41.59% |
| MURRAY INSURANCE ASSOCIATES3 | PO BOX 1728 LANCASTER, PA 17608 | STANDARD INSURANCE COMPANY | $314 | $134 | $448 | 4.60% |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 113 | $38K |
| Vision | STANDARD INSURANCE COMPANY | 104 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 296 | $37K |
| Short-term disability | STANDARD INSURANCE COMPANY | 296 | $82K |
| Long-term disability | STANDARD INSURANCE COMPANY | 296 | $53K |
| Other | WELLSPAN EMPLOYEE ASSISTANCE PROGRAM | 348 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.