| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.45% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVC LLC | 999 BERKSHIRE BLVD STE 100 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, PA 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $521 | $521 | 1.64% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVC LLC | 999 BERKSHIRE BLVD STE 100 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.98% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE 35 ROUTE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $930 | $930 | 3.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $442 | $442 | 1.59% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVC LLC | 999 BERKSHIRE BLVD STE 100 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 14.41% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $849 | $849 | 3.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $439 | $439 | 1.76% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | 999 BERKSHIRE BLVD STE 160 WYOMISSING, PA 19610 | VISION BENEFITS OF AMERICA | $780 | $0 | $780 | 5.00% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 128 | $54K |
| Vision | VISION BENEFITS OF AMERICA | 121 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 52 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $32K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.