| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $5K | $10K | 4.59% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 3.67% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 4.59% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.67% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 4.59% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.67% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $210 | $244 | $454 | 4.59% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $363 | — | $363 | 3.67% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 96.39% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 107.26% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 200.14% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | QUANTUM HEALTH SOLUTIONS | — | $15K | $15K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTINENTAL BENEFITS EIN 38-3919227 CLAIMS PROCESSING | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $113K |
| INNOVATIVE BENEFIT PLANNING EIN 52-2072161 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $82K |
| AETNA LIFE INSURANCE EIN 06-6033492 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $71K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Direct payment from the plan Service code 50 | — | $10K |
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 | 644 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY INC | 644 | $259K |
| Vision | DELTA DENTAL OF CONNECTICUT, INC. | 493 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $97K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $244K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $79K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 338 | $982K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 476 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.