| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC. | 999 BERKSHIRE BLVD STE 160 READING, PA 19610 | HIGHMARK | $21K | $0 | $21K | 3.59% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | PO BOX 6243 WYOMISSING, PA 196100243 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $14 | $2K | 5.12% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | PO BOX 6243 WYOMISSING, PA 19610 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 13.96% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP, INC. | PO BOX 6243 999 BERKSHIRE BLVD SUITE 160 WYOMISSING, PA 19610 | NATIONAL VISION ADMINISTRATORS (NGL) | $344 | $0 | $344 | 4.99% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 143 | $597K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $43K |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 134 | $7K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 102 | $34K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 102 | $34K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 102 | $34K |
| Other | UNION SECURITY INSURANCE COMPANY | 102 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.