| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $4K | $0 | $4K | 3.69% |
| ASSUREDPARTNERS3 Filed as: MCCONKEY BENFITS & FINANCIAL SERV | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 8.99% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERV. | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 12.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | VISION BENEFITS OF AMERICA | $914 | $0 | $914 | 5.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $741 | $0 | $741 | 12.00% |
| THE GLATFELTER AGENCY INC.3 | PO BOX 2926 183 LEADER HEIGHTS RD YORK, PA 17405 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $150 | $0 | $150 | 15.00% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 309 | $119K |
| Vision | VISION BENEFITS OF AMERICA | 140 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $27K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $90K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 192 | $50K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.