| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 174023780 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $3K | $26K | 13.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERV | 12404 PARK CENTRAL DR STE 4005 DALLAS, TX 752511800 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $856 | $7K | 3.52% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $428 | $428 | 0.23% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | NATIONAL VISION ADMINISTRATORS, LLC | $1K | $0 | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 ADMIN | Claims processing Service code 12 | — | $18K |
| MCCONKEY BENEFITS & FINANCIAL SERV EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $3K |
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 | 255 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 455 | $21K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 643 | $186K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 643 | $186K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 643 | $186K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 643 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.