| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.46% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BNFTS & FNCL SVCS LLC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $475 | $2K | 4.75% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $475 | $475 | 1.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.54% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BNFTS & FNCL SVCS LLC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $875 | $0 | $875 | 3.47% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $297 | $297 | 1.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 125 E ELM ST STE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.43% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BNFTS & FNCL SVCS LLC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $829 | $0 | $829 | 3.56% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $291 | $291 | 1.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA LP | 125 EAST ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $474 | $0 | $474 | 11.21% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BNFTS & FNCL SVCS LLC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $161 | $0 | $161 | 3.81% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SLTNS LLC | ONE BEACON ST STE 17100 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $53 | $53 | 1.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 CARRIER | Claims processing Service code 12 | — | $186K |
| BROWN & BROWN OF PENNSYLVANIA BROKER | Insurance agents and brokers Service code 22 | 125 E. ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | $59K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 ADMIN | Claims processing Service code 12 | — | $19K |
| MCCONKEY BENEFITS & FINANCIAL BROKER | Insurance agents and brokers Service code 22 | 2555 KINSTON RD STE 100 YORK, PA 17402 | $7K |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 175 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 88 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $25K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.