| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | DELTA DENTAL OF NEW JERSEY, INC | $5K | — | $5K | 5.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | DELTA DENTAL OF NEW JERSEY, INC | $3K | — | $3K | 2.50% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | FLAGSHIP HEALTH SYSTEMS | $2K | — | $2K | 3.03% |
| TERRIANN PROCIDA3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $2K | — | $2K | 3.69% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LL | 101A FOSTER RD MOORESTOWN, NJ 08057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $242 | $5K | 15.75% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS | 280 E 96TH ST SUITE 250 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $233 | $3K | 11.19% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS | 280 E 96TH ST SUITE 250 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| CHRIS GUZEWICH3 Filed as: CHRIS DAVID PAOLONE | 119 PELHAM RD S VOORHEES, NJ 08043 | AFLAC | $2K | $92 | $3K | 9.08% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $1K | — | $1K | 4.71% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE INTERLAKEN, NJ 07712 | AFLAC | $440 | $27 | $467 | 1.68% |
| MICHAEL HENSH3 | 64 KERRY LYNN CT WILLIAMSTOWN, NJ 08094 | AFLAC | $189 | — | $189 | 0.68% |
| ALISON YOUNG3 | 784 CARTERET CT MOUNT LAUREL, NJ 08054 | AFLAC | $110 | — | $110 | 0.40% |
| JEANNE CUOZZO3 | 1433 MCMASTER DR SURFSIDE BEACH, SC 29575 | AFLAC | $106 | — | $106 | 0.38% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | 501 FAIRNEST CT DOVER, DE 19904 | AFLAC | $100 | — | $100 | 0.36% |
| LINDA W OLGUIN3 Filed as: LINDA E MATTISON | 11205 N 119TH WAY SCOTTSDALE, AZ 85259 | AFLAC | $91 | — | $91 | 0.33% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $70 | — | $70 | 0.25% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $68 | — | $68 | 0.24% |
| MICHAEL C WALKER3 Filed as: MICHAEL SHIOMOS | 44 MONROE DR CLEMENTON, NJ 08021 | AFLAC | $57 | — | $57 | 0.20% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | 1901 STATE ROUTE 71 SUITE 3B WALL, NJ 07719 | AFLAC | $24 | $30 | $54 | 0.19% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVE SUITE B SEA ISLE CITY, NJ 08243 | AFLAC | $51 | — | $51 | 0.18% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 527 FARMINGTON, CT 06034 | AFLAC | $48 | — | $48 | 0.17% |
| ROSE M SUDANO3 | 74 KNOX LN MANALAPAN, NJ 07726 | AFLAC | $40 | $5 | $45 | 0.16% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $28 | — | $28 | 0.10% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | 501 FAIRNEST CT DOVER, DE 19904 | AFLAC | $26 | — | $26 | 0.09% |
| RACHEL FERRANTE3 | 44 BERKSHIRE DR HOWELL, NJ 07731 | AFLAC | $25 | — | $25 | 0.09% |
| RACHAEL FERRANTE3 | 1052 NOBLE PL SEWELL, NJ 08080 | AFLAC | $23 | — | $23 | 0.08% |
| SHEM J BOSTICK3 | 1629 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $21 | — | $21 | 0.08% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIELDER | 8 SEWARD DR OCEAN, NJ 07712 | AFLAC | $20 | — | $20 | 0.07% |
| PAULA GAIL NEAL3 Filed as: PAULA M EMOND | 27 SUMMIT AVE BERLIN, NJ 08009 | AFLAC | $19 | — | $19 | 0.07% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $15 | — | $15 | 0.05% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $12 | — | $12 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $5 | — | $5 | 0.02% |
| TOTAL BENEFIT SYSTEMS INC3 Filed as: TOTAL BENEFIT SYSTEMS INS | PO BOX 585 FARMINGDALE, NJ 07727 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS RD MADISON, CT 06443 | AFLAC | $3 | — | $3 | 0.01% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LANE MT ARLINGTON, NJ 07856 | AFLAC | $2 | — | $2 | 0.01% |
| ANN PREGNER3 | PO BOX 87 BROOKSIDE, NJ 07926 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER S AUSTERMANN3 | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL T REYES3 | 185 PLAINS RD SUITE 200E MILFORD, CT 06461 | AFLAC | $1 | — | $1 | 0.00% |
| JULIO E ZURITA3 | 273 VALLEY RD RIVER EDGE, NJ 07661 | AFLAC | $0 | — | $0 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | ALPHA DENTAL PROGRAMS, INC | $334 | — | $334 | 3.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | ALPHA DENTAL PROGRAMS, INC | $323 | — | $323 | 2.90% |
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 | 318 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC | 132 | $175K |
| Vision | VISION SERVICE PLAN | 194 | $45K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $31K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.