| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD PO BOX 6243 READING, PA 19610 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $33K | $211K | $243K | 20.15% |
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD SUITE 160 WTOMISSING, PA 19610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.08% |
| DENTON QUICK3 | 2202 WELLINGTON BLVD WYOMISSING, PA 19610 | AFLAC | $1K | $71 | $1K | 3.68% |
| POWER-KUNKLE GROUP INC3 | PO BOX 6243 WYOMISSING, PA 19610 | AFLAC | $802 | — | $802 | 2.56% |
| MARY A BARANSKI3 Filed as: MARY A. BARANSKI | 1334 CREEK RD CARLISLE, PA 17015 | AFLAC | $548 | — | $548 | 1.75% |
| EVA M ALEXANDER3 | 119 WINDING HILL DR LANCASTER, PA 17601 | AFLAC | $265 | — | $265 | 0.85% |
| KL GOOD BENEFITS LLC3 | 230 DANIELLE CT YORK, PA 17404 | AFLAC | $197 | — | $197 | 0.63% |
| JOSEPH B MCGINTY JR3 | 1150 GLENVIVET DR, STE A13 ALLENTOWN, PA 18106 | AFLAC | $171 | $17 | $188 | 0.60% |
| BONITA REID3 Filed as: BONITA KLINE | 200 TOWNHOUSE RD SANGERVILLE, ME 04479 | AFLAC | $175 | — | $175 | 0.56% |
| ANTHONY S ALMODOVAR3 | 3605 VARTAN WAY, STE 304 HARRISBURG, PA 17110 | AFLAC | $173 | — | $173 | 0.55% |
| JASON E FERGER3 | 3706 EAGLEWOOD ST VALRICO, FL 33596 | AFLAC | $108 | — | $108 | 0.35% |
| C A LUPP INC3 | 5010 E TRINDLE RD, STE 201 MECHANICSBURG, PA 17050 | AFLAC | $71 | — | $71 | 0.23% |
| SHELLY S GWIN3 | 94 OATFIELD DR DENVER, PA 17517 | AFLAC | $48 | — | $48 | 0.15% |
| J D LUEDTKE INC3 | 1140 WALTER ST YORK, PA 17408 | AFLAC | $47 | — | $47 | 0.15% |
| DIANNE L MARTIN3 | 125 MANOR ST HARRISBURG, PA 17110 | AFLAC | $45 | — | $45 | 0.14% |
| DAVID C SWEIGARD3 | 2603 PELLICER RD SAINT AUGUSTINE, FL 32092 | AFLAC | $43 | — | $43 | 0.14% |
| JOSEPH B MCGINTY JR3 | 2202 CROSS CREEK RD MACUNGIE, PA 18062 | AFLAC | $42 | — | $42 | 0.13% |
| GERALD L WALSH3 | 39 POCAHONTAS LN HALIFAX, PA 17032 | AFLAC | $30 | — | $30 | 0.10% |
| DAVID W RANCK3 | 848 E MAIN ST, STE 800 EPHRATA, PA 17522 | AFLAC | $28 | — | $28 | 0.09% |
| RICHARD J PURISKY3 | 244 CROSS CREEK TRL BANNER ELK, NC 28604 | AFLAC | $27 | — | $27 | 0.09% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADEPHIA, PA 19125 | AFLAC | $19 | — | $19 | 0.06% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $15 | — | $15 | 0.05% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $15 | — | $15 | 0.05% |
| RANDALL D NAFTAL3 | 2 STATION SQ STE 201 37 N VALLEY RD PAOLI, PA 19301 | AFLAC | $13 | — | $13 | 0.04% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $12 | — | $12 | 0.04% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD, STE 201 MECHANICSBURG, PA 17050 | AFLAC | $11 | — | $11 | 0.04% |
| RUSSELL P LASNER3 | 1001 TIMMONY CIR ACCOKEEK, MD 20607 | AFLAC | $11 | — | $11 | 0.04% |
| MICHELE DANETTE SPENCER3 | 2470 W PA 897 DENVER, PA 17517 | AFLAC | $11 | — | $11 | 0.04% |
| DANIEL R JUDY3 | 231 WALTERS MILL RD SOMERSET, PA 15501 | AFLAC | $10 | — | $10 | 0.03% |
| SUSAN R MCSHERRY3 | 1330 BRIARGATE DR YORK, PA 17404 | AFLAC | $8 | — | $8 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADEPHIA, PA 19106 | AFLAC | $6 | — | $6 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $4 | — | $4 | 0.01% |
| SUSAN R MCSHERRY3 | 123 CHATUGA DR LOUDON, TN 37774 | AFLAC | $3 | — | $3 | 0.01% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY, APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.00% |
| POWER-KUNKLE GROUP INC3 | SUITE 160 WYOMISSING, PA 19610 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 12.54% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $67K |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $67K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 110 | $57K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 110 | $57K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 110 | $26K |
| Other(3 contracts, 3 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 188 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.