| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN EMPIRE STATE | 500 PLUM STREET, SUITE 200 SYRACUSE, NY 13204 | EXCELLUS BLUE CROSS BLUE SHIELD | $11K | $0 | $11K | 4.53% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $8K | $19K | 19.16% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 12404 PARK CENTRAL DR STE 4005 DALLAS, TX 752511800 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 174023780 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $5K | $10K | 15.46% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWN INSURANCE SERVICES | 501 OFFICE CENTER DR STE 215 FT WASHINGTON, PA 19034 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.86% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY & BENEFITS FINANCIAL SERV. | 2555 KINGSTON RD STE 100 YORK, PA 174023780 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR STE 440S DALLAS, TX 752511800 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | HIGHMARK | $479 | $0 | $479 | 4.94% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 16 | $254K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 222 | $67K |
| Vision | HIGHMARK | 190 | $10K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $50K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $148K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $148K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 16 | $254K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.