| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY HILL BENEFITS, INC.3 Filed as: CHERRY HILL BENEFITS INC | 1415 ROUTE 70 EAST CHERRY HILL, NJ 08034 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | AETNA LIFE INSURANCE COMPANY | $222 | — | $222 | 0.01% |
| NICHOLAS R. TAFARO3 Filed as: NICHOLAS R TAFARO | 1415 MARLTON PIKE E STE 600 CHERRY HILL, NJ 08034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 7.42% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.58% |
| CHERRY HILL BENEFITS, INC.3 Filed as: CHERRY HILL BENEFITS INC | 1415 ROUTE 70 EAST STE 403 CHERRY HILL, NJ 08034 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.93% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $292 | — | $292 | 0.41% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $105 | — | $105 | 0.15% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 449 | $1.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $70K |
| Vision | AETNA LIFE INSURANCE COMPANY | 449 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.