| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL, JOHNSON BENEFITS | 109 PHEASANT RUN NEWTOWN, PA 18940 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.74% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.28% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL & JOHNSON | BENEFITS, INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 5.30% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 101 TREMONT ST. 11TH FLOOR BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $648 | — | $648 | 0.50% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL & JOHNSON | BENEFITS, INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $595 | $5K | 26.73% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $160K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $160K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 349 | $130K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 349 | $130K |
| Long-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 6 | $20K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 349 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.