| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | 999 BERKSHIRE BLVD SUITE 160 PO BOX 6243 WYOMISSING, PA 19610 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 4.92% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | 999 BERKSHIRE BLVD STE 160 WYOMISSING, PR 19610 | VISION BENEFITS OF AMERICA | $1K | $0 | $1K | 5.00% |
| POWER-KUNKLE GROUP INC3 | PO BOX 6243 WYOMISSING, PA 19610 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $351 | $0 | $351 | 10.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $138K |
| POWER-KUNKLE GROUP INC BROKER | Insurance agents and brokers Service code 22 | 999 BERKSHIRE BLVD WYOMISSING, PA 19610 | $41K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $39K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $13K |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 420 | $235K |
| Vision | VISION BENEFITS OF AMERICA | 266 | $29K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 420 | $235K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 420 | $235K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 420 | $235K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 294 | $661K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 420 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
No prospect flags tripped on this filing.