| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL & JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $0 | $3K | 5.14% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL AND JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 9.88% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $616 | $0 | $616 | 2.12% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL AND JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.72% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $524 | $0 | $524 | 2.02% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL AND JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.41% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $356 | $0 | $356 | 2.38% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL & JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | HM LIFE INSURANCE COMPANY | $767 | $0 | $767 | 9.99% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL AND JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $398 | $0 | $398 | 9.62% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FL MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96 | $0 | $96 | 2.32% |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 151 | $55K |
| Vision | HM LIFE INSURANCE COMPANY | 81 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $29K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.