| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | DELTA DENTAL OF PENNSYLVANIA | $4K | $0 | $4K | 6.00% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC | 1200 E MCKINLEY STREET CHAMBERSBURG, PA 17201 | USABLE LIFE | $2K | $0 | $2K | 11.00% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $866 | $0 | $866 | 4.71% |
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY INC. | 1200 E MCKINLEY STREET CHAMBERSBURG, PA 17201 | USABLE LIFE | $1K | $0 | $1K | 11.05% |
| CONSOLIDATED BENEFITS INC3 | PO BOX 774232 HARRISBURG, PA 17177 | USABLE LIFE | $599 | $0 | $599 | 4.74% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 263 | $59K |
| Life insurance | USABLE LIFE | 208 | $18K |
| Short-term disability | USABLE LIFE | 102 | $13K |
| Other | USABLE LIFE | 208 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.