| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY & BENEFITS FINANCIAL SERV. | 2555 KINGSTON RD STE 100 YORK, PA 174023780 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $2K | $19K | 12.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR STE 440S DALLAS, TX 752511800 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 174023780 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 10.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CETNRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $638 | $638 | 0.92% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | HIGHMARK | $532 | $0 | $532 | 4.97% |
| 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 | $0 | $0 | $0 | — |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 0 | $0 |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 232 | $69K |
| Vision | HIGHMARK | 101 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $152K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $152K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $152K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 0 | $0 |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.