| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP, INC. | 999 BERKSHIRE BLVD SUITE 160 WYOMISSING, PA 19610 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 14.85% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP INC. | 999 BERKSHIRE BLVD. STE 160 WYOMISSING, PA 19610 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 15.10% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KINKLE GROUP INC | 999 BERKSHIRE BLVD SUITE 160 WYOMISSING, PA 19610 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 15.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $236K |
| RXBENEFITS EIN 63-1157085 ADMIN | Claims processing Service code 12 | — | $7K |
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 | 589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK | 410 | $240K |
| Vision | HIGHMARK | 410 | $240K |
| Life insurance | STANDARD INSURANCE COMPANY | 573 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 333 | $61K |
| Long-term disability | STANDARD INSURANCE COMPANY | 240 | $23K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE GROUP | 489 | $707K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.