| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTOWN, PA 18940 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 0.54% |
| AP BENEFIT ADVISORS, LLC3 | 2910 BAY TO BAY BLVD SUITE 102 TAMPA, FL 33629 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.11% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTOWN, PA 18940 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 14.04% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.67% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, LLC | 1767 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | — | $50 | 0.09% |
| FINANCIAL BALANCE GROUP LLC3 Filed as: FINANCIAL BALANCE GROUP, LLC | 1901 RESEARCH BLVD SUITE 400 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOHNSON KENDALL & JOHNSON BENEFITS BENEFITS | Contract Administrator; Claims processing Service code 12 | 109 PHEASANT RUN NEWTOWN, PA 18940 | $57K |
| AP BENEFIT ADVISORS, LLC BENEFITS | Claims processing; Contract Administrator Service code 12 | 2910 BAY TO BAY BLVD SUITE 102 TAMPA, FL 33629 | $16K |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 368 | $1.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 368 | $1.8M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 368 | $1.8M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 58 | $58K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 58 | $58K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 58 | $58K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 58 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.