| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $565 | $42 | $607 | 5.62% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS FINANCIAL SVCS | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $514 | $39 | $553 | 5.12% |
| THE BERT COMPANY3 Filed as: THE BERT COMPANY DBA NORTHWEST INS | 800 STATE STREET STE 500 ERIE, PA 16501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $209 | $16 | $225 | 5.45% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 Filed as: MCCONKEY BENEFITS FINANCIAL SVCS | 2555 KINGSTON RD STE 100 YORK, PA 17402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $203 | $15 | $218 | 5.28% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $15K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69 | — |
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.