| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP | 999 BERKSHIRE BLVD PO BOX 6243 READING, PA 19610 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $46K | $0 | $46K | 5.50% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP, INC. | PO BOX 6243 WYOMISSING, PA 19610 | UNION SECURITY INSURANCE COMPANY | $10K | $0 | $10K | 9.61% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | 999 BERKSHIRE BLVD SUITE 160 PO BOX 6243 WYOMISSING, PA 19610 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.22% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | PO BOX 6243 WYOMISSING, PA 19610 | VISION BENEFITS OF AMERICA | $498 | $0 | $498 | 3.62% |
| POWER-KUNKLE GROUP INC3 | PO BOX 6243 WYOMISSING, PA 19610 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22 | $0 | $22 | 15.17% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7 | $7 | 4.83% |
| POWER-KUNKLE GROUP INC3 | PO BOX 6243 WYOMISSING, PA 19610 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4 | $0 | $4 | 13.33% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, PA 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1 | $1 | 3.33% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, PA 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | -$5 | -$5 | — |
| POWER-KUNKLE GROUP INC3 | PO BOX 6243 WYOMISSING, PA 19610 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$16 | $0 | -$16 | — |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 124 | $832K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 142 | $124K |
| Vision | VISION BENEFITS OF AMERICA | 127 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 142 | $102K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 142 | $102K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 142 | $102K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 124 | $832K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 142 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.