| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $502 | $5K | 12.75% |
| JONATHON R SEELE3 | 60 BYRON NELSON CIR ETTERS, PR 17319 | AFLAC | $1K | $67 | $2K | 5.74% |
| C A LUPP INC3 | 441 FRIENDSHIP RD SUITE 102 HARRISBURG, PA 17111 | AFLAC | $677 | $34 | $711 | 2.67% |
| C H ROBINSON & ASSOCIATES INC3 | 101 SE 2ND PL SUITE 201A GAINESVILLE, FL 32601 | AFLAC | $520 | $13 | $533 | 2.00% |
| ANTHONY ALMODOVAR3 | 2405 PARK DRIVE SUITE 101 HARRISBURG, PA 17111 | AFLAC | $436 | $19 | $455 | 1.71% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD SUITE 102 HARRISBURG, PA 17111 | AFLAC | $410 | $0 | $410 | 1.54% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP INC | 210 SIXTH AVE 30TH FLOOR PITTSBURGH, PA 15222 | AFLAC | $303 | $0 | $303 | 1.14% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PR 17110 | AFLAC | $144 | $0 | $144 | 0.54% |
| ENIKO AMBRUS3 | 5365 MANAYUNK RD APT C HARRISBURG, PA 17109 | AFLAC | $121 | $0 | $121 | 0.45% |
| MG BERGER INC3 | 1020 N DELAWARE AVE SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $48 | $19 | $67 | 0.25% |
| MARK D BARBIER3 | 802 DEER TRAIL LANE OAK BROOK, IL 60523 | AFLAC | $41 | $0 | $41 | 0.15% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | GSB BUILDING 1 BELMONT AVE SUITE 304 BALA CYNWYD, PR 19004 | AFLAC | $33 | $0 | $33 | 0.12% |
| KIMMON R GUSEMAN3 | 48 NICKMAN PLZ LEMONT FURNACE, PA 15456 | AFLAC | $21 | $0 | $21 | 0.08% |
| PERRY B TOWNSEND3 | 669 PATRIOT DRIVE LANCASTER, PA 17601 | AFLAC | $15 | $0 | $15 | 0.06% |
| SHELLY S GWIN3 | 94 OATFIELD DRIVE DENVER, PA 17517 | AFLAC | $8 | $0 | $8 | 0.03% |
| RANDALL D NAFTAL3 | 37 NORTH VALLEY ROAD 2 STATION SQUARE SUITE 201 PAOLI, PA 19301 | AFLAC | $4 | $0 | $4 | 0.01% |
| WEVODAU INS. & BENEFIT STRATEGIES3 Filed as: WEVODAU INSURANCE & BENEFIT STRATEG | 600 N FRONT STREET WORMLEYSBURG, PA 17043 | VISION BENEFITS OF AMERICA | $370 | $0 | $370 | 4.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH AMERICA EIN 62-1411933 ADMIN | Claims processing Service code 12 | — | $50K |
| MCCONKEY BENEFITS & FINANCIAL SERV EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $27K |
| THE BENECON GROUP EIN 23-1315352 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| BENEFITMALL ADMIN | Claims processing Service code 12 | 501 FAIRMONT AVENUE SUITE 400 TOWSON, MD 21286 | $1K |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 193 | $61K |
| Vision | VISION BENEFITS OF AMERICA | 104 | $8K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $39K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $39K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $39K |
| Other | AFLAC | 42 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.