| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTOWN, PA 17120 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $31K | $31K | 2.56% |
| BENNIE INSURANCE, LLC3 | 700 CANAL ST STE 1 STAMFORD, CT 06902 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $15K | $15K | 1.24% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD STE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $274 | $0 | $274 | 0.02% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTOWN, PA 18940 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 3.99% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL ST STE 1 STAMFORD, CT 06902 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 2.27% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 301 | $1.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $117K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $117K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $117K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.