| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD SUITE 100 YORK, PA 174023780 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $1K | $24K | 10.59% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE ROAD GETTYSBURG, PA 17325 | AFLAC | $10K | $241 | $10K | 13.23% |
| WILLIAM L MURRAY JR3 | 604 HERITAGE COURT MECHANICHSBURG, PA 17050 | AFLAC | $2K | $48 | $2K | 2.67% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY SUITE 304 HARRISBURG, PA 17110 | AFLAC | $1K | $42 | $1K | 1.94% |
| ELAINE S AIKEN3 | 2202 FISHING CREEK RD WRIGHTSVILLE, PA 17368 | AFLAC | $409 | $0 | $409 | 0.55% |
| JASON E FERGER3 | 3706 EGALEWOOD ST VALRICO, FL 33596 | AFLAC | $383 | $0 | $383 | 0.52% |
| BONITA REID3 | 1515 HICKORY RUN COURT ELIZABETHTOWN, PA 17022 | AFLAC | $276 | $0 | $276 | 0.37% |
| DAVID R PONTA3 | 145 S DUKE ST SUITE B YORK, PA 17401 | AFLAC | $198 | $0 | $198 | 0.27% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $137 | $36 | $173 | 0.23% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE SUITE 101 HARRISBURG, PA 17110 | AFLAC | $159 | $7 | $166 | 0.23% |
| DAVID C SWEIGARD3 | 283 VENETIAN BLVD SAINT AUGUSTINE, FL 32095 | AFLAC | $162 | $0 | $162 | 0.22% |
| DAVID W RANCK3 | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $127 | $0 | $127 | 0.17% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $99 | $0 | $99 | 0.13% |
| LAWRNECE J HESS3 | 127 WINDING HILL DRIVE LANCASTER, PA 17601 | AFLAC | $90 | $0 | $90 | 0.12% |
| GAIL I HOLTZINGER3 | 427 S 2ND ST WRIGHTSVILLE, PA 17368 | AFLAC | $56 | $0 | $56 | 0.08% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN DOVER, PA 17315 | AFLAC | $52 | $0 | $52 | 0.07% |
| RANDALL D NAFTAL3 | 37 NORTH VALLEY ROAD 2 STATION SQUARE SUITE 201 PAOLI, PA 19301 | AFLAC | $39 | $0 | $39 | 0.05% |
| ROBERT W RICHARDSON3 | 18360 HUNTERS FORK RD BELINGTON, WV 26250 | AFLAC | $37 | $0 | $37 | 0.05% |
| BEVERLY HESS3 Filed as: BEVERLY A HESS | 127 WINDING HILL DRIVE LANCASTER, PA 17601 | AFLAC | $33 | $0 | $33 | 0.04% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $31 | $0 | $31 | 0.04% |
| TIMOTHY E MILLER3 | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $30 | $0 | $30 | 0.04% |
| J D LUEDTKE INC3 | 313 4TH STREET HANOVER, PA 17331 | AFLAC | $29 | $0 | $29 | 0.04% |
| SHELLY S GWIN3 | 94 OATFIELD DR DENVER, PA 17517 | AFLAC | $29 | $0 | $29 | 0.04% |
| GERALD L WALSH3 | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $28 | $0 | $28 | 0.04% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $28 | $0 | $28 | 0.04% |
| BRANDT INC3 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $25 | $0 | $25 | 0.03% |
| CAROL A PERRY3 | 19 MANOR OAKS DR MILLERSVILLE, PA 17551 | AFLAC | $25 | $0 | $25 | 0.03% |
| DAVID W BRANDT3 | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $19 | $0 | $19 | 0.03% |
| SPENCER NEWCOMER3 | 3812 SYLVAN DRIVE YORK, PA 17402 | AFLAC | $12 | $0 | $12 | 0.02% |
| MG BERGER INC3 | 1020 N DELAWARE AVE SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $11 | $0 | $11 | 0.01% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $11 | $0 | $11 | 0.01% |
| JEFFREY R STAUFFER3 | 2190 CANTERBURY DRIVE MECHANICSBURG, PA 17055 | AFLAC | $10 | $0 | $10 | 0.01% |
| RICHARD J PURISKY3 | 244 CROSS CREEK TRAIL BANNER ELK, NC 28604 | AFLAC | $7 | $0 | $7 | 0.01% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD SUITE 100 YORK, PA 174023780 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHAMERICA EIN 62-1411933 ADMIN | Claims processing Service code 12 | — | $167K |
| MCCONKEY BENEFITS & FINANCIAL SERV EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $74K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $29K |
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 ADMIN | Claims processing Service code 12 | — | $13K |
| BENEFITMALL ADMIN | Claims processing Service code 12 | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | $11K |
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 | 422 | 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) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 521 | $227K |
| Vision | VISION BENEFITS OF AMERICA | 197 | $16K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 521 | $241K |
| Short-term disability | NATIONWIDE LIFE INSURANCE COMPANY | 49 | $14K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 521 | $241K |
| Other(2 contracts, 2 carriers) | AFLAC | 124 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.