| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | 999 BERKSHIRE BLVD PO BOX 62483 WYOMISSING, PA 16335 | SUN LIFE ASSURANCE COMPANY OF CANADA | $920 | $239 | $1K | 6.02% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | 999 BERKSHIRE BLVD STE 100 WYOMISSING, PA 19610 | VBA | $215 | $0 | $215 | 3.71% |
| POWER-KUNKLE GROUP INC | 999 BERKSHIRE BLVD STE 100 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | — |
| PATRIOT GROWTH INSURANCE SERVICES Filed as: PATRIOT GROWTH INSURANCE SERV | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| POWER KUNKLE GROUP BROKER | Insurance agents and brokers Service code 22 | 999 BERKSHIRE BLVD SUITE 100 WYOMISSING, PA 19610 | $19K |
| L. R. WEBER EIN 25-1301205 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| PBASC EIN 26-3958502 BROKER | Insurance agents and brokers Service code 22 | — | $4K |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $3K |
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 | 50 | 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) | 50 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 44 | $19K |
| Vision | VBA | 46 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH | 56 | $229K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.