| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, STE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $614 | $4K | 11.24% |
| BENEFITMALL3 | PO BOX 42827 BALTIMORE, MD 21284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $517 | $3K | 9.44% |
| BENEFITMALL3 | PO BOX 4287 BALTIMORE, MD 21284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 4.99% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 17402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $663 | $4K | 13.33% |
| BENEFITMALL3 | PO BOX 42827 BALTIMORE, MD 21284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FINANCIAL SERVI | 2555 KINGSTON RD STE 100 YORK, PA 17402 | AFLAC | $650 | $0 | $650 | 4.90% |
| C A LUPP INC3 | 805 BUTLER DR MIDDLETOWN, PA 17057 | AFLAC | $448 | $25 | $473 | 3.57% |
| RYAN BARNES3 | 639 S WASHINGTON ST GETTYSBURG, PA 17325 | AFLAC | $193 | $0 | $193 | 1.45% |
| ANTHONY S ALMODOVAR3 | 800 CORPORATE CIR STE 103 HARRISBURG, PA 17110 | AFLAC | $119 | $0 | $119 | 0.90% |
| NICHOLAS MASON STARR3 | 1350 GARRISON DR YORK, PA 17404 | AFLAC | $65 | $0 | $65 | 0.49% |
| SHELLEY S GWIN3 | 94 OATFIELD DR DENVER, PA 17517 | AFLAC | $48 | $0 | $48 | 0.36% |
| JEFFREY CHUBB3 Filed as: JEFFREY CHARLES CHUBB | 349 W WALNUT TREE DR BLANDON, PA 19510 | AFLAC | $20 | $3 | $23 | 0.17% |
| ELIZABETH BOHLENDER3 Filed as: ELIZABETH F BOHLENDER | 2069A RALEIGH RD HUMMELSTOWN, PA 17036 | AFLAC | $20 | $0 | $20 | 0.15% |
| MICHELLE K KELLY3 Filed as: MICHELLE KELLY | 25 N MAIN ST STE 2 RED LION, PA 17356 | AFLAC | $20 | $0 | $20 | 0.15% |
| JUSTIN P ABRAHAM3 | 3841 HIGHPOINT DR ALLENTOWN, PA 18103 | AFLAC | $6 | $3 | $9 | 0.07% |
| MATTHEW G BERGER3 | 203 HAVERFORD AVE #205 NARBERTH, PA 19072 | AFLAC | $7 | $0 | $7 | 0.05% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | $0 | $1 | 0.01% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | $0 | $1 | 0.01% |
| DARREN D RIDDLE3 Filed as: DARREN DWAYNE RIDDLE | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $1 | $0 | $1 | 0.01% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | NATIONAL VISION ADMINISTRATORS, LLC | $676 | $0 | $676 | 10.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD, STE 100 YORK, PA 17042 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $467 | $77 | $544 | 13.97% |
| BENEFITMALL3 | PO BOX 4827 BALTIMORE, MD 21284 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $195 | $195 | 5.01% |
| 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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 131 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $32K |
| Other(2 contracts, 2 carriers) | AFLAC | 20 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.