| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP | 999 BERKSHIRE BLVD. P.O. BOX 6243 READING, PA 19610 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $5K | $0 | $5K | 0.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $5K | $19K | 6.73% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 5.00% |
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD. P.O. BOX 6243 WYOMISSING, PA 196100243 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.24% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE BENEFITS CONSULTING | P.O. BOX 6243 WYOMISSING, PA 19610 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 15.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 4.62% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMINISTRATOR, | P.O. BOX 9201 AUSTIN, TX 78766 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 3.73% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $238 | $5K | 3.13% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PK LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.21% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT INC | 3138 GREENRIDGE DR LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $546 | $142 | $688 | 0.47% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARTNERS | 1050 WALL STREET LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.03% |
| VINCENT J ROWAN3 | 4447 EAST THOMPSON ST PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $178 | $9K | — |
| TIMOTHY B DONNELLY3 | 5960 92ND AVE N PINNELLAS PARK, FL 33782 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $11 | $3K | — |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $631 | $1K | $2K | — |
| CATHY GOOD3 | 545 TOM SAWYER TD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $0 | $264 | — |
| JOHN REISTROM3 | 5220 BRITTANY DR S APT 803 SAINT PETERSBURG, FL 33715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $0 | $248 | — |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $0 | $95 | — |
| JOHN A CARREIRO3 | PO BOX 41495 SAINT PETERSBURG, FL 33743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | — |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | PO BOX 6243 WYOMISSING, PA 19610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $394 | $12K | — |
| ARDENA L MCVICKER3 | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $7K | $11K | — |
| CORNERSTONE FINANCIAL CONSULTANTS3 | 1802 HAMILTON ST ALLENTOWN, PA 18104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | — |
| COACH CONCEPTS INC3 | 5655 OAKHURST DR SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | $133 | $526 | — |
| LAWRENCE PRICHARD3 | 650 SKAGGS LN HILLSBOROUGH, KY 41049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | $0 | $305 | — |
| STEPHEN M HENSS LLC3 Filed as: STEPHEN M HENSS | 6 CHISEL CREEK DR LANDENBERG, PA 19350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $0 | $131 | — |
| PETRINA SKILES3 | 1574 LITITZ PK LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | — |
No Schedule C service providers reported on this filing.
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 742 | $38.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 748 | $289K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 742 | $38.6M |
| Life insurance(4 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 338 | $371K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 338 | $223K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 338 | $223K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 742 | $38.6M |
| Other(5 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 338 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.