| 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 | DELTA DENTAL | $5K | — | $5K | 4.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | INC 109 PHEASANT RUN NEWTOWN, PA 18940 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | INC 109 PHEASANT RUN NEWTOWN, PA 18940 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| JOHNSON KENDALL AND JOHNSON3 | BENEFITS INC 109 PHEASANT RUN NEWTOWN, PA 18940 | VISION SERVICE PLAN | $857 | — | $857 | 5.51% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | INC 109 PHEASANT RUN NEWTOWN, PA 18940 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | INC 109 PHEASANT RUN NEWTOWN, PA 18940 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $261 | — | $261 | 10.02% |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 257 | $116K |
| Vision | VISION SERVICE PLAN | 141 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 265 | $32K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $13K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.