| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | 300 CONSHOHOCKEN STATE RD STE 650 WEST CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 4.24% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS FINANCIAL SERVICE | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $268K |
| ANDERSON, PETER BROKER | Insurance agents and brokers Service code 22 | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | $104K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 ADMIN | Claims processing Service code 12 | — | $37K |
| FORNEY, J B BROKER | Insurance agents and brokers Service code 22 | 2121 OREGON PIKE LANCASTER, PA 17601 | $17K |
| EMERSON ROGERS LLC BROKER | Insurance agents and brokers Service code 22 | 10 PINEWOOD LANE STE 301 WARRENDALE, PA 15086 | $9K |
| BROWN & BROWN INSURANCE SERVICES BROKER | Insurance agents and brokers Service code 22 | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | $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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEARTLAND | 627 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 440 | $266K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 440 | $266K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 440 | $266K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 440 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.