| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 4.43% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 1.12% |
| BCF GROUP INC3 Filed as: THE BCF GROUP | 2101 OREGON PIKE STE 300 LANCASTER, PA 17601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.37% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS FINANCIAL SERVICE | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $417 | $9K | 12.39% |
| BCF GROUP INC3 Filed as: THE BCF GROUP | 2101 OREGON PIKE STE 300 LANCASTER, PA 17601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.30% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $513 | $513 | 0.73% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | DELTA DENTAL OF PENNSYLVANIA | $7K | $0 | $7K | — |
| BCF GROUP INC3 Filed as: THE BCF GROUP | 2101 OREGON PIKE STE 300 LANCASTER, PA 17601 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | — |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 640 | $0 |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 629 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $303K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $303K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $303K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.