| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | UNKNOWN HATBORO, PA 19010 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $13K | — | $13K | 8.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON | BENEFITS INC 109 PHEASANT RUN NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 14.62% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON | BENEFITS INC 109 PHEASANT RUN NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.08% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | UNKNOWN HATBORO, PA 19040 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $3K | — | $3K | 6.97% |
| JOHNSON KENDALL AND JOHNSON3 | BENEFITS INC. 109 PHEASANT RUN NEWTOWN, PA 18940 | VISION SERVICE PLAN | $657 | — | $657 | 6.64% |
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 | 626 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 277 | $194K |
| Vision | VISION SERVICE PLAN | 93 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 626 | $244K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $41K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 626 | $197K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 626 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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.