| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN, JESSICA DENISE3 | 999 BERKSHIRE BLVD STE 160 READING, PA 19610 | HIGHMARK, INC. | $51K | $0 | $51K | 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 | 16.34% |
| VINCENT J ROWAN3 | 447 E THOMPSON ST PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $24 | $2K | 2.05% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | P O BOX 6243 WYOMISSING, PA 19610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $246 | $1K | 1.44% |
| TIMOTHY B DONNELLY3 | 5960 92ND AVE N PINELLAS PARK, FL 33782 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $9 | $1K | 1.16% |
| CORNERSTONE FINANCIAL CONSULTANTS3 | 1802 HAMILTON ST ALLENTOWN, PA 18104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $862 | $0 | $862 | 0.98% |
| ARDENA L MCVICKER3 | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | $92 | $474 | 0.54% |
| LAWRENCE PRICHARD3 Filed as: LAWRENCE EUGENE PRICHARD | 650 SKAGGS LN HILLSBORO, KY 41049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $0 | $205 | 0.23% |
| CATHY GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $0 | $201 | 0.23% |
| JOHN REISTROM3 | 5220 BRITTANY DR S APT 803 SAINT PETERSBURG, FL 33715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $0 | $172 | 0.19% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 999 BERKSHIRE BLVD WYOMISSING, PA 19610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $2 | $147 | 0.17% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1028 FREEDOM ST LITITZ, PA 17543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $11 | $136 | 0.15% |
| STEPHEN M HENSS LLC3 | 6 CHISEL CREEK DR LANDENBERG, PA 19350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $0 | $84 | 0.10% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.08% |
| DAVID J MCCLELLAN3 Filed as: DAVID J MCLELLAN | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $13 | $65 | 0.07% |
| COACH CONCEPTS INC3 | 4750 HURON ROAD ST PETERSBURG, FL 33708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $3 | $58 | 0.07% |
| JOHN ANTHONY LI CARREIRO3 | 11399 81ST PL SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.05% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DR WEST ORANGE, NJ 07052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.03% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.03% |
| JAMES BARTLETT LLC3 Filed as: JAMES BERTLETT LLC | 3138 GREENRIDGE DR LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $1 | $18 | 0.02% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| CHELSEA INGRAM3 | 601 W 4TH ST BIRDSBORO, PA 19508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.01% |
| GREG GRAVALIS3 | 1260 QUARRY COMMONS DR YARDLEY, PA 19067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.01% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | PO BOX 6243 WYOMISSING, PA 19610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $458 | $3K | 4.38% |
| VINCENT J ROWAN3 | 4447 E THOMPSON ST PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $68 | $2K | 2.75% |
| ADRENA L MCVICKER3 | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $280 | $2K | 2.61% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $24 | $1K | 1.92% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | 999 BERKSHIRE BLVD WYOMISSING, PA 19610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $443 | $11 | $454 | 0.76% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1028 FREEDOM ST LITITZ, PA 17543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $362 | $58 | $420 | 0.70% |
| TIMOTHY B DONNELLY3 | 5960 92ND AVE N PINELLAS PARK, FL 33782 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $2 | $206 | 0.34% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $30 | $105 | 0.17% |
| CORNERSTONE FINANCIAL CONSULTANTS3 | 1802 HAMILTON ST ALLENTOWN, PA 18104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.13% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DR LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $2 | $77 | 0.13% |
| CHELSEA INGRAM3 | 601 W 4TH ST BIRDSBORO, PA 19508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $1 | $61 | 0.10% |
| CRAIG GRAVALIS3 | 1260 QUARRY COMMONS DR YARDLEY, PA 19067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $18 | $47 | 0.08% |
| CATHY GOOD3 | 545 TOM SAWYER TD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.03% |
| COACH CONCEPTS INC3 | 4750 HURON RD ST PETERSBURG, FL 33708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.02% |
| LAWRENCE PRICHARD3 Filed as: LAWRENCE EUGENE PRICHARD | 650 SKAGGS LN HILLSBORO, KY 41049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | PO BOX 6243 WYOMISSING, PA 19610 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 16.28% |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 716 | $5.1M |
| Dental | HIGHMARK, INC. | 716 | $5.1M |
| Vision | HIGHMARK, INC. | 716 | $5.1M |
| Life insurance(3 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 329 | $390K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 329 | $242K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 329 | $242K |
| Prescription drug | HIGHMARK, INC. | 716 | $5.1M |
| Other(4 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 329 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.