| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STOHL ADMIN SRVS | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.94% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $684 | $3K | 19.94% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STOHL ADMIN SVC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN NATION LIFE INSURANCE COMPANY | $1K | $568 | $2K | 14.99% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | HIGHMARK | $614 | $0 | $614 | 5.63% |
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 | 135 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 186 | $56K |
| Vision | HIGHMARK | 95 | $11K |
| Life insurance | LINCOLN NATION LIFE INSURANCE COMPANY | 135 | $11K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $36K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $14K |
| Other | LINCOLN NATION LIFE INSURANCE COMPANY | 135 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.