| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON, | INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | INDEPENDENCE BLUE CROSS | $0 | — | $0 | 0.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL & JOHNSON INC | 109 PHEASANT RUN NEWTOWN, PA 18940 | INDEPENDENCE BLUE CROSS | $0 | — | $0 | 0.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON INC | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 3.78% |
| MALLEY, BRIAN, LEE3 Filed as: MALLEY, BRIAN LEE | 1543 WICKERTON DR WEST CHESTER, PA 19382 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $244 | — | $244 | 0.12% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTOWN, PA 18940 | DELTA DENTAL OF PENNSYLVANIA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | — | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $0 | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION A MARSH & MCLENNAN | — | UNITED CONCORDIA COMPANIES, INC. | $0 | — | $0 | 0.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON INC | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $52 | $3K | 3.68% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON, | INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | INDEPENDENCE BLUE CROSS | $0 | — | $0 | 0.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTOWN, PA 18940 | AETNA LIFE INSURANCE COMPANY | $96 | $320 | $416 | 0.75% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON, KENDALL & JOHNSON, INC | 109 PHEASANT RUN NEWTOWN, PA 18940 | HARTFORD LIFE AND ACCIDENT | $332 | — | $332 | 25.02% |
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 | 1,714 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | INDEPENDENCE BLUE CROSS | 1,277 | $9.7M |
| Dental(4 contracts, 4 carriers) | DELTA DENTAL OF PENNSYLVANIA | 724 | $537K |
| Vision(3 contracts) | INDEPENDENCE BLUE CROSS | 1,277 | $9.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,714 | $382K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,714 | $382K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 201 | $2.8M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,810 | $801K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,810 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.