| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD SUITE 100 YORK, PA 17402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 5.68% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $133K |
| MCCONKEY BENEFITS & FINANCIAL SERV. EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $52K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $21K |
| BENEFIT MALL ADMIN | Claims processing Service code 12 | 501 FAIRMOUNT AVE, SUITE 400 TOWSON, MD 21286 | $7K |
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 | 308 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SECURITY LIFE INSURANCE COMPANY | 414 | $93K |
| Vision | HIGHMARK | 315 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $103K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $103K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $103K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 308 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.