| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.92% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.41% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $2K | — | $2K | 3.41% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $1K | $1K | 1.99% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $431 | — | $431 | 3.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | — | $112 | 0.86% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A. GRAHAM COMPANY | ONE PEN SQUARE WEST, 25TH FLOOR PHILADELPHIA, PA 19102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51 | — | $51 | 0.39% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST 25 FLOOR PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $390 | — | $390 | 4.53% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTON, PA 18940 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.66% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON | 109 PHEASANT RUN NEWTON, PA 18940 | COUNTRYWIDE PRE-PAID LEGAL SERVICES, INC. | $241 | — | $241 | 10.00% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TELEMEDICINE MANAGEMENT, INC. DBA SWIFTMD | 211 | $11K |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 107 | $63K |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 107 | $63K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $114K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $105K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $105K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.