| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP | 999 BERKSHIRE BLVD PO BOX 6243 WYOMISSING, PA 19610 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.23% |
| ENROLLEASE3 | 660 YORK ST SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $861 | $0 | $861 | 1.53% |
| WILLIAM ROBERT CROSSAN3 | 123 MAIN ST ALLENTOWN, PA 18104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52 | $0 | $52 | 0.09% |
| MATTHEW E VAHUE3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA III HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.01% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP | 999 BERKSHIRE BLVD STE 160 READING, PA 19610 | HIGHMARK INC | $269 | $0 | $269 | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| POWER-KUNKLE GROUP, INC EIN 33-1028341 BROKER | Insurance agents and brokers Service code 22 | — | $17K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | -$240 |
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 | 76 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $56K |
| Vision | HIGHMARK INC | 78 | $4K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $56K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $56K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 39 | $239K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.