| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | PO BOX 6243 999 BERKSHIRE BOULEVARD SUITE 160 WYOMISSING, PA 19610 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.84% |
| ECKELS ASSOCIATES LLC3 | 954 RIDGEBROOK #300 SPARKS, MD 21151 | THE GUARDIAN LIFE INSURANCE COMPANY | $90 | $0 | $90 | 0.26% |
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD STE 160 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD STE 160 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD STE 160 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $965 | $784 | $2K | 18.12% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | $0 | $258 | 6.46% |
| WAGNER-GREENE AGENCY LLC3 | 2038 PENN AVE WEST LAWN, PA 19609 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | $0 | $115 | 2.88% |
| FRANK KABAY3 | 1438 COLWELL LN APT 303 CONSHOHOCKEN, PA 194281183 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.40% |
| POWER-KUNKLE GROUP INC3 | PO BOX 6243 999 BERKSHIRE BOULEVARD SUITE 160 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $237 | $182 | $419 | 17.68% |
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 | 163 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 101 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 12 | $2K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.