| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP, INC. | PO BOX 6243 999 BERKSHIRE BLVD SUITE 160 WYOMISSING, PA 19610 | HIGHMARK | $32K | $0 | $32K | 3.00% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP, INC. | PO BOX 6243 WYOMISSING, PA 19610 | UNION SECURITY INSURANCE COMPANY | $5K | $2K | $7K | 6.61% |
| NORTH AMERICAN BENEFITS COMPANY3 Filed as: NORTH AMERICAN BENEFITS CO | 20 VALLEY STREAM PKWY SUITE 310 MALVERN, PA 19355 | THE LINCOLN LIFE INSURANCE COMPANY | $5K | $6K | $11K | 24.49% |
| NORTH AMERICAN BENEFITS COMPANY3 Filed as: NORTH AMERICAN BENEFITS CO | 20 VALLEY STREAM PKWY SUITE 310 MALVERN, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $4K | $8K | 25.20% |
| NORTH AMERICAN BENEFITS COMPANY3 Filed as: NORTH AMERICAN BENEFITS CO | 20 VALLEY STREAM PKWY SUITE 310 MALVERN, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 23.41% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | PO BOX 6243 WYOMISSING, PA 19610 | UNION SECURITY INSURANCE COMPANY | $7K | $0 | $7K | 38.08% |
| ANDREW J SCHREFFLER3 Filed as: ANDREW SCHREFFLER | 999 BERKSHIRE BLVD SUITE 160 WYOMISSING, PA 19610 | UNION SECURITY INSURANCE COMPANY | $0 | $751 | $751 | 3.95% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 230 | $1.1M |
| Dental | UNION SECURITY INSURANCE COMPANY | 140 | $106K |
| Vision | UNION SECURITY INSURANCE COMPANY | 140 | $106K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $21K |
| Short-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 201 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $30K |
| Prescription drug | HIGHMARK | 230 | $1.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.