| 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 | $10K | — | $10K | 3.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | — | UNITED CONCORDIA INSURANCE COMPANY | $12K | — | $12K | 6.94% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENE | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON INC | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $129 | $3K | 6.74% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | — | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $2K | — | $2K | 6.95% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTOWN, PA 18940 | VISION SERVICE PLAN | $1K | — | $1K | 5.31% |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 265 | $206K |
| Vision | VISION SERVICE PLAN | 224 | $27K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 586 | $324K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 586 | $274K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 586 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.