| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 174023780 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 4.56% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN RD STE 310 MELVILLE, NC 117474300 | UNITED HEALTHCARE INSURANCE COMPANY | $578 | $150 | $728 | 1.88% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 17402 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $306 | $0 | $306 | 1.72% |
| MCCONKEY BENEFITS & FINANCIAL SERV3 | 2555 KINGSTON RD STE 100 YORK, PA 17402 | METROPOLITAN LIFE INSURANCE COMPANY | $58 | $0 | $58 | 2900.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRINCIPAL EIN 42-0127290 ADMIN | Claims processing Service code 12 | — | $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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 4 | $39K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $18K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $18K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.