| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | P.O. BOX 6243 WYOMISSING, PA 19610 | UNION SECURITY INSURANCE COMPANY | $3K | $1K | $4K | 7.00% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP, INC. | P.O. BOX 6243 WYOMISSING, PA 19610 | SECURITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $82K |
| POWER KUNKLE GROUP, INC. BROKER | Insurance agents and brokers Service code 22 | 999 BERKSHIRE BLVD. WYOMISSING, PA 19610 | $50K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $21K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $8K |
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 | 149 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 94 | $62K |
| Life insurance | SECURITY LIFE INSURANCE COMPANY | 149 | $62K |
| Short-term disability | SECURITY LIFE INSURANCE COMPANY | 149 | $62K |
| Long-term disability | SECURITY LIFE INSURANCE COMPANY | 149 | $62K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | EVEREST REINSURANCE COMPANY | 138 | $370K |
| Other | SECURITY LIFE INSURANCE COMPANY | 149 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.