| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP INC. | 999 BERKSHIRE BLVD STE 160 PO BOX 6243 WYOMISSING, PA 19610 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.33% |
| ECKELS ASSOCIATES LLC3 | 111 W WASHINGTON AVE COVINGTON, TN 38019 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | $0 | $10 | 0.04% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE | 999 BERKSHIRE BLVD WYOMISSING, PA 19610 | SUN LIFE ASSURANCE COMPANY | $415 | $0 | $415 | 15.04% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP | 999 BERKSHIRE BLVD PO BOX 6243 READING, PA 19610 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $16 | $0 | $16 | 4.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT (POWER-KUNKLE GROUP, INC.) EIN 33-1028341 BROKER | Insurance agents and brokers Service code 22 | — | $2K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $1K |
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $877 |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $306 |
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 | 56 | 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) | 57 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 59 | $27K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 88 | $388 |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 56 | $11K |
| Other | SUN LIFE ASSURANCE COMPANY | 0 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.