| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $89K | $0 | $89K | 15.95% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $14K | $14K | 2.58% |
| PAYCOM PAYROLL LLC5 Filed as: PAYCOM PAYROLL, LLC | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.55% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | DELTA DENTAL OF NEW JERSEY, INC. | $67K | $0 | $67K | 18.37% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 15.94% |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 995 | $364K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 484 | $57K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $557K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $557K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $557K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 995 | — |
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.