| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 | UNKNOWN NEWTOWN, PA 19047 | INDEPENDENCE BLUE CROSS | $67K | $11K | $78K | 4.42% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GEN AGY LLC | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | -$1K | $1K | -$125 | -0.01% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 4.87% |
| PATRIOT BENEFITS GROUP INC.3 Filed as: PATRIOT BENEFITS GROUP, INC. | 881 SUMNEYTOWN PIKE, SUITE 200A LANSDALE, PA 19446 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 2.58% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GEN AGY LLC | 899 CASSATT ROAD BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $2K | $5K | 2.26% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GEN AGY LLC | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 2.12% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GEN AGY LLC | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 24.19% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $270 | $0 | $270 | 1.23% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 245 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $223K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $223K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $223K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $223K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $223K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 245 | $1.8M |
| Other(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 307 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.