| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | — | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 1.44% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | — | DELTA DENTAL OF PENNSYLVANIA | $755 | $0 | $755 | 0.58% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $3K | $13K | 11.02% |
| BENEFITMALL3 | 1204 PARK CENTRAL DR, STE 4005 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $3K | $6K | 5.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 12.07% |
| BENEFITMALL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $2K | 5.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 5.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $160 | $2K | 14.05% |
| BENEFITMALL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $419 | $443 | $862 | 5.00% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 521 | $131K |
| Vision | VISION BENEFITS OF AMERICA | 318 | $42K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $118K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $45K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.