| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC. | 999 BERKSHIRE BLVD, STE 160 WYOMISSING, PA 19610 | CAPITAL ADVANTAGE INSURANCE COMPANY | $4K | — | $4K | 4.02% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC. | PO BOX 6243 WYOMISSING, PA 19610 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 10.04% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | 999 BERKSHIRE BLVD, STE 160 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.38% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | 999 BERKSHIRE BLVD, STE 160 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $852 | $459 | $1K | 15.38% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | 999 BERKSHIRE BLVD., SUITE 160 PO BOX 6243 WYOMISSING, PA 19610 | HIGHMARK | $368 | — | $368 | 6.00% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | 999 BERKSHIRE BLVD, STE 160 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $283 | $155 | $438 | 15.50% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP | 999 BERKSHIRE BLVD, STE 160 WYOMISSING, PA 19610 | HIGHMARK | $61 | — | $61 | 5.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| POWER KUNKLE GROUP INC. BROKER | Insurance agents and brokers Service code 22 | PO BOX 6243 WYOMISSING, PA 19610 | $30K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $17K |
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $16K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $5K |
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) | CAPITAL ADVANTAGE INSURANCE COMPANY | 9 | $88K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 143 | $45K |
| Vision(2 contracts) | HIGHMARK | 129 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $9K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $3K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 69 | $353K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $9K |
| 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."
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.