| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA MARIE GEHRING3 | 137 WEST COLUMBIA STREET SCHUYLKILL HAVEN, PA 17972 | HIGHMARK, INC. | $8K | $0 | $8K | 3.20% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 W OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | DELTA DENTAL OF PENNSYLVANIA | $1K | $0 | $1K | 10.00% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | SUITE 160 WYOMISSING, PA 19610 | AMERICAN UNITED LIFE INSURANCE COMPANY | $514 | $0 | $514 | 6.61% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES | 501 W OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | AMERICAN UNITED LIFE INSURANCE COMPANY | $263 | $0 | $263 | 3.38% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | 999 BERKSHIRE BLVD SUITE 100 WYOMISSING, PA 19610 | VISION BENEFITS OF AMERICA | $117 | $0 | $117 | 7.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $243 |
| PATRIOT (POWER-KUNKLE GROUP) EIN 87-2917800 BROKER | Insurance agents and brokers Service code 22 | — | $227 |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | -$37 |
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 | 31 | 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) | 31 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 28 | $263K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 34 | $10K |
| Vision | VISION BENEFITS OF AMERICA | 23 | $2K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 31 | $8K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 31 | $8K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CRUM & FORSTER | 0 | $26K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 31 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.