| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 5.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | DELTA DENTAL OF PENNSYLVANIA | $15K | — | $15K | 5.00% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 5.00% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | 109 PHEASANT RUN NEWTOWN, PA 18940 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 5.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $904 | $7K | 21.13% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
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 | 1,198 | 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) | 1,198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 803 | $293K |
| Vision | VISION BENEFITS OF AMERICA | 791 | $54K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,198 | $169K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,207 | $393K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 452 | $58K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,198 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,207 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.