| 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 BLUE SHIELD | $10K | — | $10K | 1.26% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 200 INTERNATIONAL CIR. #4500 HUNT VALLEY, MD 21031 | HIGHMARK BLUE SHIELD | $1K | — | $1K | 0.14% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP, INC. | 999 BERKSHIRE BLVD #160 WYOMISSING, PA 19610 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 6.89% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 20 COMMERCE DR #200 CRANFORD, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY | $387 | — | $387 | 0.58% |
| FFG BALTIMORE LLC3 | 11350 MCCORMICK ROAD EXE PLZ 3 SUITE 202 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| ECKELS ASSOCIATES LLC3 | 954 RIDGEBROOK RD STE 300 SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP, INC. | 999 BERKSHIRE BLVD #100 WYOMISSING, PA 19610 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.84% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ, LLC | 1130 HIGHWAY 315 BLVD WILKES BARRE, PA 18702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $609 | — | $609 | 1.13% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD | 62 | $776K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 110 | $66K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 110 | $66K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 132 | $120K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 132 | $120K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 132 | $120K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 132 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.