| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL JOHNSON | BENEFITS INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.87% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $157 | — | $157 | 0.38% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL JOHNSON | BENEFITS INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | THE LINCOLN NATIONAL LIFE COMPANY | $2K | — | $2K | 8.79% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL JOHNSON | BENEFITS INC, 109 PHEASANT RUN NEWTOWN, PA 18940 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.68% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL JOHNSON | BENEFITS, INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $138 | $1K | 22.17% |
| MICHAEL GRASSO3 | PO BOX 58 MECHANICSVILLE, PA 18934 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 1.14% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $42K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $42K |
| Life insurance | THE LINCOLN NATIONAL LIFE COMPANY | 182 | $27K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $22K |
| Other | THE LINCOLN NATIONAL LIFE COMPANY | 182 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.