| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $965 | $5K | 13.87% |
| BENEFITMALL3 | PO BOX 42827 BALTIMORE, MD 21284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $519 | $1K | $2K | 5.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, STE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $929 | $3K | 11.20% |
| BENEFITMALL3 | PO BOX 42827 BALTIMORE, MD 21284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $477 | $1K | $2K | 5.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $753 | $3K | 11.54% |
| BENEFITMALL3 | PO BOX 4287 BALTIMORE, MD 21284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | $898 | $1K | 5.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | NATIONAL VISION ADMINISTRATORS (FSL) | $711 | $0 | $711 | 10.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD, STE 100 YORK, PA 17042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $465 | $29 | $494 | 12.75% |
| BENEFITMALL3 | PO BOX 4827 BALTIMORE, MD 21284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59 | $134 | $193 | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED CONCORDIA COMPANIES EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $9K |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS (FSL) | 155 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $31K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $33K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.