| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17042 | PRINCIPAL LIFE INSURANCE COMPANY | $28K | $11K | $39K | 17.52% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES, LLC | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.47% |
| CENTERSTONEONE INSURANCE & FINANCIA3 | 12404 PARK CENTRAL DR STE 4005 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | -$17 | $0 | -$17 | -0.01% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 174023780 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $8K | 14.60% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES, LLC | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $210 | $210 | 0.41% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17042 | VISION SERVICE PLAN | $3K | $0 | $3K | 7.33% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.63% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES, LLC | 1500 QUAIL ST STE 570 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $179 | $179 | 0.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL EIN 23-1667011 ADMIN | Claims processing Service code 12 | — | $45K |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 285 | $41K |
| Life insurance(3 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 300 | $308K |
| Long-term disability(3 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 300 | $308K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 300 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.