| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.05% |
| BENEFITMALL3 Filed as: BENEFITMALL, INC. | 501 FAIRMONT AVE STE 400 TOWNSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.01% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.62% |
| BENEFITMALL3 Filed as: BENEFITMALL INC. | 501 FAIRMONT AVE STE 400 TOWNSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.32% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.83% |
| BENEFITMALL3 Filed as: BENEFITMALL INC. | 501 FAIRMONT AVE STE 400 TOWNSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.85% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 4.33% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON DR STE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.93% |
| BENEFITMALL3 Filed as: BENEFITMALL, INC. | 501 FAIRMONT AVE STE 400 TOWNSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $770 | $770 | 2.59% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.99% |
| BENEFITMALL3 | 501 FAIRMONT AVE STE 400 TOWNSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $563 | $563 | 3.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 16.24% |
| BENEFITMALL3 Filed as: BENEFITMALL INC. | 501 FAIRMONT AVE STE 400 TOWNSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $525 | $525 | 3.04% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.57% |
| BENEFITMALL3 | 501 FAIRMONT AVE STE 400 TOWNSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $425 | $425 | 2.97% |
| UNITED OF OMAHA LIFE INSURANCE CO3 | MUTUTAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL EIN 23-1667011 ADMIN | Claims processing Service code 12 | — | $28K |
| MCCONKEY BENEFITS EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $8K |
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 | 392 | 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) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 341 | $30K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 392 | $19K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 386 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $14K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 392 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.