| 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 | $7K | $0 | $7K | 6.47% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | AMERITAS | $3K | $0 | $3K | 4.19% |
| C A LUPP INC3 Filed as: C A LUPP, INC. | 805 BUTLER RD MIDDLETOWN, PA 17057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $398 | $0 | $398 | 6.01% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY SUITE 304 HARRISBURG, PA 17110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | $0 | $110 | 1.66% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SVCS | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 0.92% |
| ELIZABETH BOHLENDER3 Filed as: ELIZABETH F BOHLENDER | 392 TOWNHOUSE HERSHEY, PA 17033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.02% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 415 | $80K |
| Vision | HIGHMARK | 295 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $108K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $108K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $108K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 36 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.