| 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 | HORIZON HEALTHCARE SERVICES INC. | $50K | — | $50K | 2.69% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTON, PA 18940 | HORIZON HEALTHCARE SERVICES, INC. | $15K | — | $15K | 2.92% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL & JOHNSON, INC. | 109 PHEASANT RUN NEWTOWN, PA 18940 | DELTA DENTAL OF NJ, INC. | $5K | — | $5K | 4.74% |
| JOHNSON KENDALL AND JOHNSON3 | BENEFITS INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | VISION SERVICE PLAN | $1K | — | $1K | 4.82% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON | BENEFITS INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | USABLE LIFE | $3K | — | $3K | 12.45% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 6.58% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | USABLE LIFE | $2K | — | $2K | 10.95% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 8.13% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC. | 164 | $1.9M |
| Dental | DELTA DENTAL OF NJ, INC. | 153 | $97K |
| Vision | VISION SERVICE PLAN | 154 | $28K |
| Life insurance | USABLE LIFE | 168 | $21K |
| Long-term disability | USABLE LIFE | 168 | $27K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 164 | $530K |
| Other | USABLE LIFE | 168 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.