| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 | 2839 PACES FERRY RD SE SUITE 830 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | $4K | $40K | 5.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 4.56% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 3.65% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $282 | $282 | 5.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $226 | — | $226 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTINENTAL BENEFITS CLAIMS PROCESSING | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | 422 S KINGS AVE BRANDON, FL 33511 | $90K |
| INNOVATIVE BENEFIT PLANNING EIN 52-2072161 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $82K |
| AETNA LIFE INSURANCE EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $63K |
| PHIA EIN 46-1439866 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $9K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $9K |
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 | 510 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY INC | 623 | $243K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 441 | $36K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 444 | $50K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 503 | $190K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 443 | $53K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 295 | $756K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 444 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.