| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 Filed as: JKJ BENEFITS LLC | 1925 FORT WORTH HWY STE 102 WEATHERFORD, TX 76086 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $42K | $71K | 19.30% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JKJ BENEFITS LLC | 1925 FORT WORTH HWY STE 102 WEATHERFORD, TX 76086 | AMERITAS LIFE INSURANCE CORP | $5K | — | $5K | 10.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JKJ BENEFITS LLC | 1925 FORT WORTH HWY STE 102 WEATHERFORD, TX 76086 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.33% |
| JOHNSON KENDALL AND JOHNSON Filed as: JKJ BENEFITS LLC | 1925 FORT WORTH HWY STE 102 WEATHERFORD, TX 76086 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.54% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JKJ BENEFITS LLC | 1925 FORT WORTH HWY STE 102 WEATHERFORD, TX 76086 | SUPERIOR VISION PLAN OF TEXAS | $1K | — | $1K | 15.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JKJ BENEFITS LLC | 1925 FORT WORTH HWY STE 102 WEATHERFORD, TX 76086 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $398 | — | $398 | 11.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $39K |
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 | 87 | 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) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 87 | $368K |
| Dental | AMERITAS LIFE INSURANCE CORP | 69 | $48K |
| Vision | SUPERIOR VISION PLAN OF TEXAS | 75 | $8K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 35 | $10K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.