| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER- KUNKLE GROUP INC. | 999 BERKSHIRE BLVD WYOMISSING, PA 19610 | UNITED CONCORDIA INSURANCE COMPANY | $59 | $0 | $59 | 1.99% |
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD STE 160 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $253 | $65 | $318 | 12.57% |
| POWER-KUNKLE GROUP INC3 | 999 BERKSHIRE BLVD STE 160 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $67 | $17 | $84 | 12.57% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER-KUNKLE GROUP | 999 BERKSHIRE BLVD PO BOX 6243 READING, PA 19610 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $22 | $0 | $22 | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| POWER KUNKLE GROUP INC. BROKER | Insurance agents and brokers Service code 22 | 999 BERKSHIRE BLVD. SUITE 100 WYOMISSING, PA 19610 | $9K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $5K |
| CAPITAL BLUE CROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | $2K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $1K |
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 | 24 | 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) | 24 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 8 | $3K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 12 | $548 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $668 |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $3K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 24 | $74K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $668 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.