| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17042 | UNTIED OF OMAHA LIFE INSURANCE COMPANY | $14K | $8K | $21K | 15.79% |
| BENEFITMALL3 Filed as: BENEFITMALL, INC | 501 FAIRMOUNT AVE STE 4005 TOWSON, MD 21286 | UNTIED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.02% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNTIED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.20% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $8K | $26K | 21.82% |
| BENEFITMALL3 Filed as: BENEFITMALL, INC | 501 FAIRMOUNT AVE TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.19% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17042 | VISION SERVICE PLAN | $3K | $0 | $3K | 7.99% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 174023780 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 22.73% |
| BENEFITMALL3 Filed as: BENEFITMALL, INC | 501 FAIRMOUNT AVE TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $513 | $513 | 1.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL EIN 23-1667011 ADMIN | Claims processing Service code 12 | — | $43K |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 279 | $39K |
| Life insurance | UNTIED OF OMAHA LIFE INSURANCE COMPANY | 378 | $136K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 332 | $118K |
| Other(2 contracts, 2 carriers) | UNTIED OF OMAHA LIFE INSURANCE COMPANY | 378 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.