| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $5K | $10K | 7.75% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 5.50% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY, 4TH FLOOR WHITE PLAINS, NY 10601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 43.36% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 17.19% |
| KEVIN MURPHY3 | 11 WILLOWBROOK TERRACE CLIFTON PARK, NY 12065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 1.03% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | FEDERAL INSURANCE COMPANY | $100 | $2 | $102 | 20.40% |
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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $126K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $126K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 377 | $145K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 377 | $124K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 377 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.