| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP | 999 BERKSHIRE BLVD STE 160 READING, PA 19610 | HIGHMARK INC | $49K | $0 | $49K | 1.00% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE BENEFITS CONSULTING | P.O. BOX 6243 WYOMISSING, PA 19610 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $39K | $0 | $39K | 12.52% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $704 | $704 | 0.23% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | P O BOX 6243 WYOMISSING, PA 19610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $405 | $5K | 8.24% |
| VINCENT J ROWAN3 | 4447 E THOMPSON ST PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $446 | $3K | 6.07% |
| ADRENA L MCVICKER3 | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $749 | $3K | 4.45% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $29 | $2K | 2.69% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $691 | $256 | $947 | 1.65% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $448 | $669 | 1.17% |
| TIMOTHY B DONNELLY3 | 5960 92ND AVE N PINELLAS PARK, FL 33782 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $311 | $0 | $311 | 0.54% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DR LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $26 | $247 | 0.43% |
| CORNERSTONE FINANCIAL CONSULTANTS3 | 1802 HAMILTON ST ALLENTOWN, PA 18104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.15% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DR SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $5 | $40 | 0.07% |
| CATHY GOOD3 | 545 TOM SAWYER TD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.04% |
| LAWRENCE PRICHARD3 Filed as: LAWRENCE EUGENE PRICHARD | 650 SKAGGS LN HILLSBORO, KY 41049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.02% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 740 | $4.9M |
| Dental | HIGHMARK INC | 740 | $4.9M |
| Vision | HIGHMARK INC | 740 | $4.9M |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 344 | $369K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 344 | $311K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 344 | $311K |
| Prescription drug | HIGHMARK INC | 740 | $4.9M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 344 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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.
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.