| 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 | 6.22% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERV. | 2555 KINGSTON RD STE 100 YORK, PA 174023780 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 5.14% |
| C A LUPP INC3 Filed as: C A LUPP, INC. | 805 BUTLER DR MIDDLETOWN, PA 15057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.57% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVCS | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $867 | $0 | $867 | 2.45% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE SUITE 101 HARRISBURG, PA 17110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $345 | $0 | $345 | 0.97% |
| ELIZABETH BOHLENDER3 Filed as: ELIZABETH F BOHLENDER | 392 TOWNHOUSE HERSHEY, PA 17033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $126K |
| MCCONKEY BENEFITS & FINANCIAL SERV. EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $57K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| BENEFIT MALL ADMIN | Claims processing Service code 12 | 501 FAIRMOUNT AVE, SUITE 400 TOWSON, MD 21286 | $12K |
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 | 296 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 514 | $90K |
| Vision | HIGHMARK | 340 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 296 | $104K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 296 | $104K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 296 | $104K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 296 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.