| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVCS | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $14K | $0 | $14K | 6.12% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17042 | PRINCIPAL LIFE INSURANCE COMPANY | $28K | $2K | $31K | 13.85% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 174023780 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $714 | $9K | 14.15% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $515 | $7K | 14.99% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17042 | HIGHMARK | $4K | $0 | $4K | 11.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $190K |
| MCCONKEY BENEFITS & FINANCIAL SERV EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $80K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $25K |
| BENEFITMALL ADMIN | Claims processing Service code 12 | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | $21K |
| TOTAL ADMINISTRATIVE SERVICES CORP EIN 39-1561025 ADMIN | Claims processing Service code 12 | — | $9K |
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 | 450 | 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) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 807 | $232K |
| Vision | HIGHMARK | 678 | $37K |
| Life insurance(3 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 319 | $332K |
| Long-term disability(3 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 319 | $332K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 319 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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.