| 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 | $25K | $3K | $28K | 10.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 4851 LBJ FWY STE 1100 DALLAS, TX 752446025 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.52% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD SUITE 100 YORK, PA 174023780 | VISION BENEFITS OF AMERICA | $3K | $0 | $3K | 8.00% |
| MARILYN BRANNEN3 | 3605 VARTAN WAY STE 304 HARRISBURG, PA 17110 | AFLAC | $11K | $402 | $11K | — |
| WILLIAM L MURRAY JR3 | 604 HERITAGE COURT MECHANICHSBURG, PA 17050 | AFLAC | $2K | $80 | $2K | — |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY SUITE 304 HARRISBURG, PA 17110 | AFLAC | $2K | $80 | $2K | — |
| MEGAN ELISE DEPPEN3 | 700 LOWER STATE ROAD APT 18-C8 NORTH WALES, PA 19454 | AFLAC | $1K | $8 | $1K | — |
| ELAINE S AIKEN3 | 2202 FISHING CREEK RD WRIGHTSVILLE, PA 17368 | AFLAC | $395 | $0 | $395 | — |
| JASON E FERGER3 | 3706 EGALEWOOD ST VALRICO, FL 33596 | AFLAC | $304 | $0 | $304 | — |
| BONITA REID3 | 1515 HICKORY RUN COURT ELIZABETHTOWN, PA 17022 | AFLAC | $237 | $0 | $237 | — |
| WILLIAM L MURRAY JR3 | 604 HERITAGE COURT MECHANICSBURG, PA 17050 | AFLAC | $198 | $0 | $198 | — |
| DAVID R PONTA3 | 145 S DUKE ST SUITE B YORK, PA 17401 | AFLAC | $145 | $0 | $145 | — |
| MATTHEW T O'HANLON3 Filed as: MATTHEW S LUCAS | PO BOX 717 2985 COLLEGE DR BRYN ATHYN, PA 19009 | AFLAC | $126 | $0 | $126 | — |
| DAVID W RANCK3 | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $109 | $0 | $109 | — |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 5 GREAT VALLEY PKWY STE 100 MALVERN, PA 19355 | AFLAC | $107 | $0 | $107 | — |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $90 | $0 | $90 | — |
| DAVID C SWEIGARD3 | 2575E PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $90 | $0 | $90 | — |
| LAWRNECE J HESS3 | 127 WINDING HILL DRIVE LANCASTER, PA 17601 | AFLAC | $82 | $0 | $82 | — |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $77 | $0 | $77 | — |
| GAIL I HOLTZINGER3 | 427 S 2ND ST WRIGHTSVILLE, PA 17368 | AFLAC | $73 | $0 | $73 | — |
| TIMOTHY E MILLER3 | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $47 | $0 | $47 | — |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN DOVER, PA 17315 | AFLAC | $43 | $0 | $43 | — |
| BRANDT INC3 | 3111 EXPRESSO WAY YORK, PA 17406 | AFLAC | $40 | $0 | $40 | — |
| RANDALL D NAFTAL3 | 37 NORTH VALLEY ROAD 2 STATION SQUARE SUITE 201 PAOLI, PA 19301 | AFLAC | $35 | $0 | $35 | — |
| ROBERT W RICHARDSON3 | 18360 HUNTERS FORK RD BELINGTON, WV 26250 | AFLAC | $34 | $0 | $34 | — |
| GERALD L WALSH3 | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $32 | $0 | $32 | — |
| BEVERLY HESS3 Filed as: BEVERLY A HESS | 127 WINDING HILL DRIVE LANCASTER, PA 17601 | AFLAC | $30 | $0 | $30 | — |
| DAVID W BRANDT3 | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $30 | $0 | $30 | — |
| SHELLY S GWIN3 | 94 OATFIELD DR DENVER, PA 17517 | AFLAC | $26 | $0 | $26 | — |
| SHELLY S GWIN3 | 94 OATFIELD DR DENVER, PA 17517 | AFLAC | $26 | $0 | $26 | — |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $24 | $0 | $24 | — |
| CAROL A PERRY3 | 19 MANOR OAKS DR MILLERSVILLE, PA 17551 | AFLAC | $23 | $0 | $23 | — |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $21 | $0 | $21 | — |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $16 | $0 | $16 | — |
| JEFFREY R STAUFFER3 | 2190 CANTERBURY DRIVE MECHANICSBURG, PA 17055 | AFLAC | $16 | $0 | $16 | — |
| DAVID C SWEIGARD3 | 283 VENETIAN BLVD SAINT AUGUSTINE, FL 32095 | AFLAC | $13 | $0 | $13 | — |
| SPENCER NEWCOMER3 | 3812 SYLVAN DRIVE YORK, PA 17402 | AFLAC | $10 | $0 | $10 | — |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $9 | $0 | $9 | — |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $9 | $0 | $9 | — |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $8 | $0 | $8 | — |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $7 | $0 | $7 | — |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $7 | $0 | $7 | — |
| RICHARD J PURISKY3 | 244 CROSS CREEK TRAIL BANNER ELK, NC 28604 | AFLAC | $6 | $0 | $6 | — |
| CHRISTOPHER A LUPP3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $5 | $0 | $5 | — |
| MARTIN E BYSTROM3 | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $3 | $0 | $3 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRINCIPAL LIFE INSURANCE COMPANY EIN 42-0127290 ADMIN | Claims processing Service code 12 | — | $16K |
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 | 519 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 783 | $268K |
| Vision | VISION BENEFITS OF AMERICA | 323 | $33K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 783 | $268K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 783 | $268K |
| Other | AFLAC | 143 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 783 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.