| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.59% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.58% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| BENEFITMALL3 Filed as: BENEFITMALL, INC | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS & FIN SVCS LLC | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| BENEFITMALL3 Filed as: BENEFITMALL, INC | 501 FAIRMOUNT AVE TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $872 | $872 | 3.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| BENEFITMALL3 Filed as: BENEFITMALL, INC | 501 FAIRMOUNT AVE TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $677 | $677 | 3.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD, SUITE 100 YORK, PA 17402 | VISION BENEFITS OF AMERICA | $473 | $0 | $473 | 3.10% |
No Schedule C service providers reported on this filing.
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 348 | $117K |
| Vision | VISION BENEFITS OF AMERICA | 193 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $23K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.