| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTON, PA 18940 | HORIZON HEALTHCARE SERVICES, INC. | $70K | — | $70K | 2.74% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL & JOHNSON, INC. | 109 PHEASANT RUN NEWTOWN, PA 18940 | DELTA DENTAL OF NJ, INC. | $5K | — | $5K | 4.42% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | USABLE LIFE | $6K | — | $6K | 12.05% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST, M2H NEWARK, NJ 07105 | USABLE LIFE | — | $4K | $4K | 7.34% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL AND JOHNSON | BENEFITS INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | VISION SERVICE PLAN | $1K | — | $1K | 4.67% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 164 | $2.6M |
| Dental | DELTA DENTAL OF NJ, INC. | 156 | $108K |
| Vision | VISION SERVICE PLAN | 160 | $29K |
| Life insurance | USABLE LIFE | 170 | $48K |
| Long-term disability | USABLE LIFE | 170 | $48K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 164 | $2.6M |
| Other | USABLE LIFE | 170 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.