| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| HELEN DIZ-HATTON3 Filed as: HELEN-MARY SCHOEDLER | — | AFLAC | $2K | $23 | $2K | 3.75% |
| MICHAEL BUTTERFIELD3 | — | AFLAC | $656 | $15 | $671 | 1.37% |
| LINDA W OLGUIN3 Filed as: LINDA M DUNFEE | — | AFLAC | $541 | — | $541 | 1.11% |
| NJ NATIONAL ASSOCIATES LIFE AGENCY3 | — | AFLAC | $540 | — | $540 | 1.11% |
| MARSH & MCLENNAN AGENCY LLC3 | — | AFLAC | $392 | — | $392 | 0.80% |
| NANCY LAPHAM3 Filed as: NANCY RUTH MITNICK | — | AFLAC | $255 | — | $255 | 0.52% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL W HOPE | — | AFLAC | $209 | — | $209 | 0.43% |
| EXSEPTIONAL SERVICES INC3 | — | AFLAC | $159 | — | $159 | 0.33% |
| JOHN T CAPOZZI3 | — | AFLAC | $133 | $15 | $148 | 0.30% |
| LARRY D DENNY3 Filed as: LARRY C KENNY | — | AFLAC | $134 | — | $134 | 0.27% |
| EVELYN GARCIA3 Filed as: EVELYN M LOYOLA | — | AFLAC | $66 | $53 | $119 | 0.24% |
| TERRIANN PROCIDA3 | — | AFLAC | $109 | — | $109 | 0.22% |
| ALBERT SHUST3 | — | AFLAC | $102 | — | $102 | 0.21% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | — | AFLAC | $79 | — | $79 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | — | AFLAC | $56 | — | $56 | 0.11% |
| LORENZO V CUTAIA3 | — | AFLAC | $41 | — | $41 | 0.08% |
| ANNE FISHER3 | — | AFLAC | $40 | — | $40 | 0.08% |
| MELISSA ARMATIS3 Filed as: MELISSA R DYKSTRA | — | AFLAC | $39 | — | $39 | 0.08% |
| ROSA SHALA3 Filed as: ROSA LILIANA ORTIZ | — | AFLAC | $39 | — | $39 | 0.08% |
| BRIAN M LEYPOLDT3 | — | AFLAC | $35 | — | $35 | 0.07% |
| LAURIE L SMITH3 | — | AFLAC | $34 | — | $34 | 0.07% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT DEMARI | — | AFLAC | $26 | — | $26 | 0.05% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | — | AFLAC | $20 | — | $20 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | — | AFLAC | $13 | — | $13 | 0.03% |
| EVELYN GARCIA3 Filed as: EVELYN M LOYOLA | — | AFLAC | $11 | — | $11 | 0.02% |
| NANCY M ANDERSON3 | — | AFLAC | $6 | — | $6 | 0.01% |
| TIMOTHY MCDERMOTT3 | — | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | — | AFLAC | $4 | — | $4 | 0.01% |
| ANN PREGNER3 | — | AFLAC | $3 | — | $3 | 0.01% |
| JULIO E ZURITA3 | — | AFLAC | $2 | — | $2 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | — | AFLAC | $1 | — | $1 | 0.00% |
| TERRIAN PROCIDA3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $987 | — | $987 | 3.13% |
| TERRIAN PROCIDA3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE DENTAL, INC. | $624 | — | $624 | 3.13% |
| TERRIAN PROCIDA3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 10.01% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH ADMINISTRATORS | 104 | $282K |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 51 | $52K |
| Vision | HORIZON INSURANCE COMPANY | 102 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $63K |
| Stop-loss / reinsurancereinsurance | AMERIHEALTH ADMINISTRATORS | 104 | $282K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.