| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEBB INSURANCE3 Filed as: WEBB BOB INSURANCE INC | 572 CARLISLE ST PO BOX 67 HANOVER, PA 173310067 | AMERITAS | $2K | $0 | $2K | 6.21% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 174023780 | AMERITAS | $657 | $0 | $657 | 1.74% |
| BOB WEBB INSURANCE INC3 Filed as: BOB WEBB INSURANCE INC. | PO BOX 67 HANOVER, PA 17331 | COMPANION LIFE INSURANCE COMPANY | $766 | $5 | $771 | 16.23% |
| BOB WEBB INSURANCE INC3 | 572 CARLISLE STREET PO BOX 67 HANOVER, PA 17331 | RELIANCE STANDARD | $301 | $0 | $301 | 10.35% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 174023780 | RELIANCE STANDARD | $135 | $0 | $135 | 4.64% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 198 | $38K |
| Vision | AMERITAS | 198 | $38K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 116 | $5K |
| Long-term disability | RELIANCE STANDARD | 10 | $3K |
| Other(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 116 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.