| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | HORIZON HEALTHCARE SERVICES, INC. | $70K | — | $70K | 2.66% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 3.99% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | USABLE LIFE | $5K | — | $5K | 11.96% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST, M2H NEWARK, NJ 07105 | USABLE LIFE | — | $3K | $3K | 7.42% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL JOHNSON | 190 PHEASANT RUN NEWTOWN, PA 18940 | VISION SERVICE PLAN | $1K | — | $1K | 4.39% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | VISION SERVICE PLAN | $1K | — | $1K | 4.39% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALLL AND JOHNSON | 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 | 159 | 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) | 159 | 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 NEW JERSEY, INC. | 156 | $107K |
| Vision(2 contracts) | VISION SERVICE PLAN | 159 | $68K |
| Life insurance | USABLE LIFE | 159 | $44K |
| Short-term disability | FEDERAL INSURANCE COMPANY | 159 | $500 |
| Long-term disability | USABLE LIFE | 159 | $44K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 164 | $2.6M |
| Other | USABLE LIFE | 159 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.