| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 17402 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $130 | $10K | 14.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 12404 PARK CENTRAL DR. STE 4005 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $338 | $2K | 3.48% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $169 | $169 | 0.26% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD, SUITE 100 YORK, PA 17402 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $6K | $0 | $6K | 10.22% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD, SUITE 100 YORK, PA 17402 | VISION BENEFITS OF AMERICA | $336 | $0 | $336 | 5.00% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 168 | $64K |
| Vision | VISION BENEFITS OF AMERICA | 99 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $66K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $66K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $66K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.