| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 6.50% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.88% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINANCE | 6200 CANOGA AVENUE SUITE 300 WOODLAND HILLS, CA 91367 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.00% |
| SUSAN R MCSHERRY3 | PO BOX 21832 YORK, PA 17404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 21.04% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 18.83% |
| ADAM DANIEL LEVINE3 Filed as: ADAM D LEVINE | 200 BUTLER AVE SUITE 200 LANCASTER, PA 17601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 11.37% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE SUITE 101 HARRISBURG, PA 17110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.10% |
| RANDALL D NAFTAL3 | 37 NORTH VALLEY ROAD 2 STATION SQUARE SUITE 201 PAOLI, PA 19301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.05% |
| DEBRA L CARL3 | 2042 STATE ROUTE 61 SUNBURY, PA 17801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.04% |
| ELAINE S AIKEN3 | 2202 FISHING CREEK RD WRIGHTSVILLE, PA 17368 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.03% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 5.00% |
| SUSAN R MCSHERRY3 | 1330 BRIARGATE DRIVE YORK, PA 17404 | AFLAC | $163 | $142 | $305 | 3.75% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $106 | $28 | $134 | 1.65% |
| JOSEPH N SUCCOP III3 | PO BOX 103 FELTON, PA 17322 | AFLAC | $103 | $0 | $103 | 1.27% |
| ROBERT E MULLINS3 | 1610 WEST BAY DR LOT 56 LARGO, FL 33770 | AFLAC | $87 | $0 | $87 | 1.07% |
| DANIEL BAUGHMAN3 | 887 SULTANA DR LITTLE RIVER, SC 29566 | AFLAC | $80 | $0 | $80 | 0.98% |
| WILLIAM T BUCHER3 | 2482 CHAMBERSBURG RD BIGLERVILLE, PA 17307 | AFLAC | $71 | $0 | $71 | 0.87% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $57 | $0 | $57 | 0.70% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE SUITE 101 HARRISBURG, PA 17110 | AFLAC | $11 | $28 | $39 | 0.48% |
| JODY D MARSHALL3 | 514 BEAUMONT DR STATE COLLEGE, PA 16801 | AFLAC | $17 | $0 | $17 | 0.21% |
| JOAN T BUCHER3 | 2482 CHAMBERSBURG RD BIGLERVILLE, PA 17307 | AFLAC | $15 | $0 | $15 | 0.18% |
| MICHAEL P NORRIS3 | 200 DALLAM RD NEWARK, DE 19711 | AFLAC | $13 | $0 | $13 | 0.16% |
| TIMOTHY R QUINLAN3 | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $11 | $0 | $11 | 0.14% |
| JOHN B DRZEWIECKI JR3 | 370 SOUTHSIRE DR BENNINGTON, VT 05201 | AFLAC | $11 | $0 | $11 | 0.14% |
| DOMINICK J LACARIA3 | 216 ROSCOMMON PLACE MCMURRAY, PA 15317 | AFLAC | $9 | $0 | $9 | 0.11% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $5 | $0 | $5 | 0.06% |
| RANDALL D NAFTAL3 | 2 STATION SQ SUITE 201 37 NORTH VALLEY ROAD PAOLI, PA 19301 | AFLAC | $5 | $0 | $5 | 0.06% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $4 | $0 | $4 | 0.05% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $1 | $0 | $1 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | $0 | $1 | 0.01% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD SUITE 102 HARRISBURG, PA 17111 | AFLAC | $1 | $0 | $1 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | $0 | $1 | 0.01% |
| BILLY M CRAIN3 | 57 PICKERING ST BROOKVILLE, PA 15825 | AFLAC | $1 | $0 | $1 | 0.01% |
| JAMES DAVID PORTERFIELD3 | PO BOX 3041 ELKINS, WV 26241 | AFLAC | $1 | $0 | $1 | 0.01% |
| SHARON R GRANT3 | 4975 KINGSTON WAY NAPLES, FL 34119 | AFLAC | $1 | $0 | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $124K |
| MCCONKEY BENEFITS & FINANCIAL SERV EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $43K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| BENEFITMALL ADMIN | Claims processing Service code 12 | 501 FAIRMOUNT AVE, SUITE 400 TOWSON, MD 21286 | $12K |
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 | 427 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $98K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $115K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 671 | $168K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 671 | $168K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 671 | $168K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 195 | $545K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 671 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.