| 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 | $44K | $10K | $53K | 9.16% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JKJ BENEFITS LLC | 1925 FORT WORTH HWY STE 102 WEATHERFORD, TX 76086 | NATIONWIDE LIFE INSURANCE COMPANY | $8K | — | $8K | 10.67% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JKJ BENEFITS LLC | 1925 FORT WORTH HWY STE 102 WEATHERFORD, TX 76086 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.12% |
| JOHNSON KENDALL AND JOHNSON Filed as: JKJ BENEFITS LLC | 1925 FORT WORTH HWY STE 102 WEATHERFORD, TX 76086 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.31% |
| EMPLOYEE NAVIGATOR, LLC Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $283 | — | $283 | 1.40% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JKJ BENEFITS LLC | 1925 FORT WORTH HWY STE 102 WEATHERFORD, TX 76086 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $642 | — | $642 | 15.17% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $583K |
| Dental | NATIONWIDE LIFE INSURANCE COMPANY | 296 | $75K |
| Vision | NATIONWIDE LIFE INSURANCE COMPANY | 296 | $75K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $44K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $20K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.