| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD YORK, PA 17402 | DELTA DENTAL OF PENNSYLVANIA | $8K | $0 | $8K | 2.90% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 15.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA IN | PO BOX 32090 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $744 | $419 | $1K | 1.92% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PR 17402 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 4.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD YORK, PA 17402 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA IN | PO BOX 32090 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $284 | $223 | $507 | 1.60% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERV. | 2555 KINGSTON RD, SUITE 100 YORK, PA 17402 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA IN | PO BOX 32090 NEW YORK, NY 10087 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $108 | $108 | 0.93% |
| MCCONKEY BENEFITS & FINANCIAL SERV | 2555 KINGSTON RD STE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF AMERICA | $663 | $0 | $663 | 9.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA IN | PO BOX 32090 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF AMERICA | $68 | $55 | $123 | 1.85% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $581 | $0 | $581 | 10.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA IN | PO BOX 32090 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52 | $40 | $92 | 1.60% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $186 | $0 | $186 | 15.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA IN | PO BOX 32090 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $12 | $12 | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $246K |
| MCCONKEY BENEFITS & FINANCIAL SERV EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $88K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $35K |
| BENEFIT COORDINATOR CORPORATION EIN 25-1453488 ADMIN | Claims processing Service code 12 | — | $15K |
| BENEFITMALL ADMIN | Claims processing Service code 12 | 501 FAIRMONT AVENUE SUITE 400 TOWSON, ME 21286 | $10K |
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 | 506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 944 | $281K |
| Vision | VISION BENEFITS OF AMERICA | 405 | $38K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $32K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $67K |
| Other(4 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 365 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 944 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.