| 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 | $7K | $0 | $7K | 4.33% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER- KUNKLE GROUP INC. | 999 BERKSHIRE BLVD WYOMISSING, PA 19610 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $52 | $52 | 1.98% |
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD STE 160 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $247 | $116 | $363 | 14.72% |
| 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 | $46 | $46 | 1.87% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $41 | $41 | 1.66% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP | 999 BERKSHIRE BLVD PO BOX 6243 READING, PA 19610 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $41 | $0 | $41 | 2.23% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | 999 BERKSHIRE BLVD STE 160 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $64 | $31 | $95 | 14.77% |
| 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 | $12 | $12 | 1.87% |
| 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 | $11 | $11 | 1.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $2K |
| PATRIOT (POWER-KUNKLE GROUP, INC.) EIN 33-1028341 BROKER | Insurance agents and brokers Service code 22 | — | $378 |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $324 |
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 | 25 | 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) | 25 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 23 | $173K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 23 | $4K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 23 | $2K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 25 | $643 |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 25 | $2K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 0 | $22K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 25 | $643 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.