| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDT INC3 | 3111 ESPRESSO WAY YORK, PA 17406 | AFLAC | $7K | $0 | $7K | 7.47% |
| SANFORD A STUCHELL3 | 35 CONOY AVE ELIZABETHTOWN, PA 17022 | AFLAC | $1K | $0 | $1K | 1.48% |
| DAVID R PONTA3 | 145 S DUKE ST STE B YORK, PA 17406 | AFLAC | $1K | $156 | $1K | 1.40% |
| C A LUPP INC3 | 940 E PARK DR SUITE 301 HARRISBURG, PA 17111 | AFLAC | $1K | $64 | $1K | 1.32% |
| ANTHONY S ALMODOVAR3 | 2405 PARK DRIVE STE 101 HARRISBURG, PA 17110 | AFLAC | $1K | $116 | $1K | 1.32% |
| DAVID W BRANDT3 | 46 WINDSOR WAY RED LION, PA 17356 | AFLAC | $862 | $0 | $862 | 0.96% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | AFLAC | $399 | $0 | $399 | 0.45% |
| GERALD L WALSH3 Filed as: GERALD WALSH | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $315 | $0 | $315 | 0.35% |
| J D LUEDTKE INC3 | 313 4TH ST HANOVER, PA 17331 | AFLAC | $254 | $31 | $285 | 0.32% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER LUPP | 940 E PARK DRIVE SUITE 301 HARRISBURG, PA 17111 | AFLAC | $239 | $21 | $260 | 0.29% |
| CRISTIAN APALAGHIE3 | 3431 CARDINAL LN DOVER, PA 17315 | AFLAC | $165 | $0 | $165 | 0.18% |
| RANDALL SIMS3 | 138 DERR DR COLLEGEVILLE, PA 19426 | AFLAC | $92 | $0 | $92 | 0.10% |
| SCOTT JACOB INS GROUP LLC3 Filed as: SCOTT JACOB | 573 BELLEVUE RD SUITE B NEWARK, DE 19713 | AFLAC | $84 | $0 | $84 | 0.09% |
| JEFFREY R STAUFFER3 Filed as: JEFFREY STAUFFER | 2190 CANTERBURY DR MECHANICSBURG, PA 17055 | AFLAC | $82 | $0 | $82 | 0.09% |
| MARILYN BRANNEN3 | 648 GOLDENVILLE RD GETTYSBURG, PA 17325 | AFLAC | $74 | $0 | $74 | 0.08% |
| JAMES W WOTHERSPOON JR3 Filed as: JAMES WOTHERSPOON JR | 1869 AUSTIN LN YORK, PA 17408 | AFLAC | $71 | $0 | $71 | 0.08% |
| ELIZABETH BOHLENDER3 | 392 TOWNHOUSE HERSHEY, PA 17033 | AFLAC | $71 | $0 | $71 | 0.08% |
| DANIEL R JUDY3 Filed as: DANIEL JUDY | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $65 | $0 | $65 | 0.07% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $62 | $0 | $62 | 0.07% |
| JASON E FERGER3 Filed as: JASON FERGER | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $54 | $0 | $54 | 0.06% |
| EDWARD LANE3 | 550 MUNDIS MILL RD YORK, PA 17406 | AFLAC | $45 | $0 | $45 | 0.05% |
| DAVID C SWEIGARD3 Filed as: DAVID SWEIGARD | 2575E PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $44 | $0 | $44 | 0.05% |
| FAITH CRYSTAL TAYLOR3 Filed as: FAITH BURRIS | 251 LONG BEACH DR HOT SPRINGS, AR 71913 | AFLAC | $42 | $0 | $42 | 0.05% |
| VINCENT GROSS3 | 242 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $37 | $0 | $37 | 0.04% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $37 | $0 | $37 | 0.04% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $37 | $0 | $37 | 0.04% |
| LISA A PERRI3 Filed as: LISA PERRY | 1650 SAND LAKE ROAD SUITE 201D ORLANDO, FL 32809 | AFLAC | $27 | $0 | $27 | 0.03% |
| DONALD GREEN3 | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $26 | $0 | $26 | 0.03% |
| LUCINDA SLAGEL3 | 300 HOLYOKE DR YORK, PA 17402 | AFLAC | $22 | $0 | $22 | 0.02% |
| CAREY A BISCOE3 Filed as: CAREY BISCOE | PO BOX 344 PARSONSBURG, MD 21849 | AFLAC | $20 | $0 | $20 | 0.02% |
| TIMOTHY MILLER3 | 604 HARVEST DRIVE DALLASTOWN, PA 17313 | AFLAC | $18 | $0 | $18 | 0.02% |
| STACEY G HELBIG3 Filed as: STACEY HELBIG | 62 HIGHVIEW DRIVE AIRVILLE, PA 17302 | AFLAC | $16 | $0 | $16 | 0.02% |
| DAVID SPENCER3 | 210 KLINE RD DENVER, PA 17517 | AFLAC | $16 | $0 | $16 | 0.02% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $16 | $0 | $16 | 0.02% |
| MARK ILGENFRITZ3 Filed as: MARK FISHER | 935 HILL CHURCH RD HUMMELSTOWN, PA 17036 | AFLAC | $15 | $0 | $15 | 0.02% |
| MATTHEW PASTVA3 | 206 TALBOT AVENUE CAMBRIDGE, MD 21613 | AFLAC | $14 | $0 | $14 | 0.02% |
| RYAN GOLDBERG3 | 103 CHURCH RD #3 PHILADELPHIA, PA 19106 | AFLAC | $6 | $8 | $14 | 0.02% |
| FREDERICK W WILSON III3 Filed as: FREDERICK WILSON III | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $13 | $0 | $13 | 0.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BOB WEBB INSRUANCE INC | PO BOX 67 HANOVER, PA 17331 | AFLAC | $11 | $0 | $11 | 0.01% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $7 | $4 | $11 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $5 | $6 | $11 | 0.01% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 833 NORTH PARK ROAD SUITE 220 READING, PA 19610 | AFLAC | $10 | $0 | $10 | 0.01% |
| GEORGE H TORBERT3 Filed as: GEORGE TOLBERT | 100 HIGH STREET BETHEL, DE 19931 | AFLAC | $9 | $0 | $9 | 0.01% |
| HEIDI DESHONG3 | 4509 FORT MCCORD RD CHAMBERSBURG, PA 17202 | AFLAC | $9 | $0 | $9 | 0.01% |
| DAVID W RANCK3 Filed as: DAVID RANCK | PO BOX 277 EPHRATA, PA 17522 | AFLAC | $7 | $0 | $7 | 0.01% |
| DORA BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $7 | $0 | $7 | 0.01% |
| MICAHEL C WALKER3 Filed as: MICAHEL WALKER | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $6 | $0 | $6 | 0.01% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1325 MOUNT HERMON RD SUITE 13B SALISBURY, MD 21804 | AFLAC | $6 | $0 | $6 | 0.01% |
| MICHELLE THOMAS3 | 3111 ESPRESSO WAY YORK, PA 17406 | AFLAC | $6 | $0 | $6 | 0.01% |
| KIMMON R GUSEMAN3 Filed as: KIMMON GUSEMAN | 48 NICKMAN PLZ LEMONT FURNACE, PA 15456 | AFLAC | $6 | $0 | $6 | 0.01% |
| MICHELLE HOTTON3 | 14582 SANDY LN EDEN, MD 21822 | AFLAC | $6 | $0 | $6 | 0.01% |
| BRYAN W CHETELAT3 Filed as: BRYAN CHETELAT | 11229 W TAMMY DRIVE BISHOPVILLE, MD 21813 | AFLAC | $5 | $0 | $5 | 0.01% |
| EVERETT C BENNETT3 Filed as: EVERETT BENNETT | 902 POPLAR ST MILFORD, DE 19963 | AFLAC | $4 | $0 | $4 | 0.00% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $3 | $0 | $3 | 0.00% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DR SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $3 | $0 | $3 | 0.00% |
| STEVEN J PERRY3 Filed as: STEVEN PERRY | 1650 SAND LAKE RD SUITE 201D ORLANDO, FL 32809 | AFLAC | $2 | $0 | $2 | 0.00% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHBURG, MD 21783 | AFLAC | $2 | $0 | $2 | 0.00% |
| KENNETH L GOOD3 Filed as: KENNETH GOOD | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL RISKA | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | $0 | $1 | 0.00% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | $0 | $1 | 0.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $5K | $8K | 9.44% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $437 | $6K | 16.20% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $330 | $3K | 8.81% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD SUITE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $236 | $4K | 12.62% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $234 | $2K | 10.00% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON ROAD SUITE 100 YORK, PA 17402 | NATIONAL VISION ADMINISTRATORS, LLC | $498 | $0 | $498 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $72K |
| 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 | — | $12K |
| BENEFITMALL ADMIN | Claims processing Service code 12 | 501 FAIRMOUNT AVE, SUITE 400 TOWSON, MD 21286 | $7K |
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 | 155 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $87K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 287 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $33K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $29K |
| Other(3 contracts, 2 carriers) | AFLAC | 155 | $159K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.