| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 4.40% |
| BRANDT INC3 | 3111 ESPRESSO WAY YORK, PA 17406 | AFLAC | $5K | $0 | $5K | 6.72% |
| DAVID R PONTA3 | 145 S DUKE ST STE B YORK, PA 17406 | AFLAC | $2K | $197 | $2K | 2.95% |
| SANFORD A STUCHELL3 | 35 CONOY AVE ELIZABETHTOWN, PA 17022 | AFLAC | $1K | $0 | $1K | 1.59% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE STE 101 HARRISBURG, PA 17110 | AFLAC | $878 | $68 | $946 | 1.28% |
| C A LUPP INC3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $545 | $15 | $560 | 0.76% |
| DAVID W BRANDT3 | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $513 | $0 | $513 | 0.69% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $367 | $0 | $367 | 0.50% |
| DAVID W BRANDT3 | 1135 PLEASANT GROVE ROAD RED LION, PA 17356 | AFLAC | $349 | $0 | $349 | 0.47% |
| JOHN LUEDTKE3 Filed as: JOHN D LUEDTKE | 313 4TH STREET HANOVER, PA 17331 | AFLAC | $322 | $0 | $322 | 0.44% |
| GERALD L WALSH3 | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $276 | $3 | $279 | 0.38% |
| GERALD L WALSH3 Filed as: GERALD WALSH | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $114 | $51 | $165 | 0.22% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN DOVER, PA 17315 | AFLAC | $161 | $0 | $161 | 0.22% |
| MG BERGER INC3 Filed as: MG BERGER INC. | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $96 | $50 | $146 | 0.20% |
| CHRISTOPHER A LUPP3 | 441 FRIENDSHIP RD STE 102 HARRISBURG, PA 17111 | AFLAC | $142 | $0 | $142 | 0.19% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $82 | $0 | $82 | 0.11% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE ROAD GETTYSBURG, PA 17055 | AFLAC | $78 | $0 | $78 | 0.11% |
| JEFFREY R STAUFFER3 | 2190 CANTERBURY DRIVE MECHANICSBURG, PA 17055 | AFLAC | $68 | $0 | $68 | 0.09% |
| MARK D BARBIER3 | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $66 | $0 | $66 | 0.09% |
| SCOTT T JACOB3 | 573 BELLEVUE RD STE B NEWARK, DE 19713 | AFLAC | $63 | $0 | $63 | 0.09% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $62 | $0 | $62 | 0.08% |
| JAMES W WOTHERSPOON JR3 Filed as: JAMES W WOTHERSPOON JR. | 1869 AUSTIN LN YORK, PA 17408 | AFLAC | $59 | $0 | $59 | 0.08% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VARICO, FL 33598 | AFLAC | $54 | $0 | $54 | 0.07% |
| MATTHEW PASTVA3 Filed as: MATTHEW W PASTVA | 206 TALBOT AVENUE CAMBRIDGE, MD 21613 | AFLAC | $47 | $0 | $47 | 0.06% |
| EDWARD LANE3 Filed as: EDWARD WILLIAM LANE | 550 MUNDIS MILL RD YORK, PA 17406 | AFLAC | $47 | $0 | $47 | 0.06% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $44 | $0 | $44 | 0.06% |
| MATTHEW G BERGER3 | 1020 N DELAWARE AVE STE4 PHILADELPHIA, PA 19125 | AFLAC | $21 | $19 | $40 | 0.05% |
| VINCENT R GROSS3 | 242 SCHOOL LANE ELIZABETHTOWN, PA 17022 | AFLAC | $38 | $0 | $38 | 0.05% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $37 | $0 | $37 | 0.05% |
| LISA H PERRY3 | 1650 SAND LAKE ROAD SUITE 201D ORLANDO, FL 32809 | AFLAC | $33 | $0 | $33 | 0.04% |
| DAVID C SWEIGARD3 | 283 VENETIAN BLVD SAINT AUGISTINE, FL 32095 | AFLAC | $23 | $0 | $23 | 0.03% |
| DORA BOSTICK3 | 1325 MOUNT HERMON RD STE 13B SALISBURY, MD 21804 | AFLAC | $22 | $0 | $22 | 0.03% |
| FAITH M BURRIS3 | 280 AMI JO DR HOT SPRINGS, AR 71913 | AFLAC | $20 | $0 | $20 | 0.03% |
| MICHELLE HOTTON3 Filed as: MICHELLE C HOTTON | 14582 SANDY LN EDEN, MD 21822 | AFLAC | $19 | $0 | $19 | 0.03% |
| CAREY A BISCOE3 | PO BOX 344 PARSONBURG, MD 21849 | AFLAC | $18 | $0 | $18 | 0.02% |
| LUCINDA SLAGEL3 Filed as: LUCINDA K SLAGEL | 300 HOLYOKE DRIVE YORK, PA 17402 | AFLAC | $18 | $0 | $18 | 0.02% |
| STEVEN J PERRY3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $17 | $0 | $17 | 0.02% |
| SHEM J BOSTICK3 | 1325 MOUNT HERMON RD STE 13B SALISBURY, MD 21804 | AFLAC | $15 | $0 | $15 | 0.02% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $15 | $0 | $15 | 0.02% |
| DAVID SPENCER3 | 210 KLINE RD YORK, PA 17517 | AFLAC | $15 | $0 | $15 | 0.02% |
| STACEY G HELBIG3 | 62 HIGHVIEW DRIVE AIRVILLE, PA 17302 | AFLAC | $15 | $0 | $15 | 0.02% |
| TIMOTHY E MILLER3 | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $14 | $0 | $14 | 0.02% |
| HEIDI DESHONG3 Filed as: HEIDI C DESHONG | 4509 FORT MCCORD RD CHAMBERSBURG, PA 17202 | AFLAC | $13 | $0 | $13 | 0.02% |
| DAVID C SWEIGARD3 | 1930 FORBES RD SAINT AUGISTINE, FL 32092 | AFLAC | $13 | $0 | $13 | 0.02% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $13 | $0 | $13 | 0.02% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $10 | $0 | $10 | 0.01% |
| FREDERICK W WILSON III3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $10 | $0 | $10 | 0.01% |
| BOB WEBB INSURANCE INC3 Filed as: BOB WEBB INSURANCE INC. | PO BOX 67 HANOVER, PA 17331 | AFLAC | $10 | $0 | $10 | 0.01% |
| GEORGE H TORBERT3 | 100 HIGH STREET BETHEL, DE 19931 | AFLAC | $9 | $0 | $9 | 0.01% |
| KIMMON R GUSEMAN3 | 48 NICKMAN PLZ LEMONT FURNACE, PA 15456 | AFLAC | $8 | $0 | $8 | 0.01% |
| KEYSTONE PACESETTERS INC3 | 100 SPRING HARBOR DRIVE #565 COLUMBUS, GA 31904 | AFLAC | $7 | $0 | $7 | 0.01% |
| AMY J ARVIN3 | 1325 BRITTANY DRIVE YORK, PA 17404 | AFLAC | $7 | $0 | $7 | 0.01% |
| MICHELLE L THOMAS BRANDT3 Filed as: MICHELLE LYNN THOMAS | 3111 ESPRESSO WAY YORK, PA 17406 | AFLAC | $5 | $0 | $5 | 0.01% |
| BRYAN W CHETELAT3 | 11229 W TAMMY DRIVE BISHOPVILLE, MD 21813 | AFLAC | $5 | $0 | $5 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16068 | AFLAC | $4 | $0 | $4 | 0.01% |
| KENNETH L GOOD3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $4 | $0 | $4 | 0.01% |
| EVERETT C BENNETT3 | 902 POPLAR STREET MILFORD, DE 19963 | AFLAC | $3 | $0 | $3 | 0.00% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $1 | $0 | $1 | 0.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.88% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $955 | $4K | 10.69% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD SUITE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $647 | $4K | 15.93% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $666 | $3K | 12.10% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | NATIONAL VISION ADMINISTRATORS, LLC | $406 | $0 | $406 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $76K |
| MCCONKEY BENEFITS & FINANCIAL SERV EIN 23-3086396 BROKER | Insurance agents and brokers Service code 22 | — | $35K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $86K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 287 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $33K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $24K |
| Other(3 contracts, 2 carriers) | AFLAC | 161 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.