| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | SHELTERPOINT LIFE INSURANCE COMPANY | $20K | — | $20K | 3.96% |
| TERIANN PROCIDA INNOVATIVE BENEFIT3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | SHELTERPOINT LIFE INSURANCE COMPANY | $10K | — | $10K | 2.01% |
| IRMA MATILDE WOODARD3 Filed as: IRMA ENCISO ALTAMIRANO | — | AFLAC | $9K | $448 | $9K | 4.89% |
| SIMONE HIRSCH3 | — | AFLAC | $7K | $129 | $7K | 3.76% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | — | AFLAC | $2K | $63 | $2K | 1.00% |
| JILL LISA RAPPAPORT3 | — | AFLAC | $1K | $75 | $2K | 0.83% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | — | AFLAC | $1K | $75 | $1K | 0.80% |
| DAVID J MCCLELLAN3 Filed as: DAVID MAJOR | — | AFLAC | $1K | $58 | $1K | 0.77% |
| MCINERNEY GROUP LLC3 | — | AFLAC | $1K | $73 | $1K | 0.69% |
| LORENA GILER LOPEZ3 | — | AFLAC | $1K | — | $1K | 0.67% |
| TREVOR FENNELL3 | — | AFLAC | $864 | — | $864 | 0.46% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | — | AFLAC | $727 | — | $727 | 0.39% |
| KENNETH C MEIER CORP3 | — | AFLAC | $523 | — | $523 | 0.28% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | — | AFLAC | $425 | — | $425 | 0.23% |
| RABIA EBRAHIM3 | — | AFLAC | $286 | $15 | $301 | 0.16% |
| SANDRA SIMS3 Filed as: SANDRA FERNANDEZ | — | AFLAC | $261 | — | $261 | 0.14% |
| KATHLEEN BYRNE3 Filed as: KATHLEEN F PERRINE | — | AFLAC | $249 | — | $249 | 0.13% |
| ROSE M SUDANO3 | — | AFLAC | $222 | — | $222 | 0.12% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | — | AFLAC | $197 | — | $197 | 0.11% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY M DAY | — | AFLAC | $184 | — | $184 | 0.10% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | — | AFLAC | $149 | — | $149 | 0.08% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY M DAY | — | AFLAC | $146 | — | $146 | 0.08% |
| EVELIS RODRIGUEZ3 | — | AFLAC | $138 | — | $138 | 0.07% |
| BRIAN WHITE3 | — | AFLAC | $106 | — | $106 | 0.06% |
| BEAULIEU BENEFITS INC3 | — | AFLAC | $100 | — | $100 | 0.05% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | — | AFLAC | $98 | — | $98 | 0.05% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | — | AFLAC | $82 | — | $82 | 0.04% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | — | AFLAC | $66 | — | $66 | 0.04% |
| BENITO A ROTONDI II INC3 | — | AFLAC | $66 | — | $66 | 0.04% |
| WILLIAM J LOEFFERT3 | — | AFLAC | $53 | — | $53 | 0.03% |
| JACQUELINE GELINAS BEAULIEU3 | — | AFLAC | $52 | — | $52 | 0.03% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN H MARKOWITZ | — | AFLAC | $28 | — | $28 | 0.01% |
| PATRICK RUHLE3 | — | AFLAC | $26 | — | $26 | 0.01% |
| VANGUARD II INC3 | — | AFLAC | $23 | — | $23 | 0.01% |
| SUSAN MAE DANIEL3 Filed as: SUSAN SAJUN-FITZHARRIS | — | AFLAC | $13 | — | $13 | 0.01% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | — | AFLAC | $10 | — | $10 | 0.01% |
| EPSIX, INC.3 Filed as: EPSIX INC | — | AFLAC | $10 | — | $10 | 0.01% |
| ROBERT THOMAS JENSEN3 | — | AFLAC | $6 | $2 | $8 | 0.00% |
| RICHARD PETERSON3 | — | AFLAC | $3 | $2 | $5 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | — | AFLAC | $5 | — | $5 | 0.00% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P DAVIS CORPORATION | — | AFLAC | $5 | — | $5 | 0.00% |
| DENNIS FENNELL3 | — | AFLAC | $4 | — | $4 | 0.00% |
| TODD BURKE3 | — | AFLAC | $1 | — | $1 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 FOSTER RD STE A MOORESTOWN, NJ 08057 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 12.47% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $192 | $4K | 15.12% |
| JILLETTA RILEY3 | 16 STERN PL FORDS, NJ 08863 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $641 | — | $641 | 18.37% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $620 | — | $620 | 17.77% |
| 3 D ENTERPRISES INC3 | 59 TIMBER RIDGE DR CORAM, NY 11727 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $49 | — | $49 | 1.40% |
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 | 1,588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $227K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $227K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 425 | $80K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 12 | $24K |
| Other(4 contracts, 4 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 1,544 | $774K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,544 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.