| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 7.55% |
| C A LUPP INC3 | 940 EAST PARK DRIVE STE 301 HARRISBURG, PA 17111 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 7.55% |
| URL INC3 | 500 NATIONWIDE DRIVE HARRISBURG, PA 17110 | UNION SECURITY INSURANCE COMPANY | $0 | $2K | $2K | 5.03% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 17402 | HARTFORD LIFE AND ACCIDENT | $849 | $31 | $880 | 15.55% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD SUITE 100 YORK, PA 17402 | GUARDIAN | $67 | $0 | $67 | 3.01% |
| ECKELS ASSOCIATES LLC3 | 950 RIDGEBROOK #300 SPARKS, MD 21152 | GUARDIAN | $1 | $0 | $1 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEISINGER EIN 23-2815174 ADMIN | Claims processing Service code 12 | — | $57K |
| E.K. MCCONKEY & CO., INC. EIN 23-2385085 BROKER | Insurance agents and brokers Service code 22 | — | $36K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PLAN | 123 | $59K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 191 | $59K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 27 | $47K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 27 | $45K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 27 | $50K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 118 | $389K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 27 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.