| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHREFFLER, ANDREW J3 | 999 BERKSHIRE BLVD SUITE 160 READING, PA 19610 | HIGHMARK INC | $21K | — | $21K | 1.25% |
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD SUITE 160 READING, PA 19610 | HIGHMARK INC | $18K | — | $18K | 1.09% |
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD SUITE 100 WYOMISSING, PA 19610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.00% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 402 S MT. JULIET ROAD PMB 184 MOUNT JULIET, TN 37122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $896 | — | $896 | 5.00% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $83 | $83 | 0.46% |
| POWER-KUNKLE GROUP INC3 | SUITE 160 WYOMISSING, PA 19610 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 9.88% |
| POWER-KUNKLE GROUP INC3 | SUITE 160 WYOMISSING, PA 19610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 10.16% |
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD SUITE 100 WTOMISSING, PA 19610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $796 | — | $796 | 19.99% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 402 S MT. JULIET ROAD PMB 184 MOUNT JULIET, TN 37122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $199 | — | $199 | 5.00% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $82 | $82 | 2.06% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 138 | $1.7M |
| Dental(2 contracts, 2 carriers) | HIGHMARK INC | 138 | $1.7M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 91 | $12K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 152 | $19K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 152 | $15K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3 | $18K |
| Prescription drug | HIGHMARK INC | 138 | $1.7M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 152 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.