| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $103K | — | $103K | 4.70% |
| NATIONAL BENEFITS PARTNER INS. AGCY3 Filed as: NATIONAL BENEFITS PARTNER INS AGCY | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 7.58% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 7.58% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $1K | — | $1K | 5.32% |
| PAULA GAIL NEAL3 Filed as: PAULA M EMOND | 5 TREATY ELM LANE SHAMONG, NJ 08088 | AFLAC | $1K | — | $1K | 5.48% |
| LINDA W OLGUIN3 Filed as: LINDA E MATTISON | 11205 NORTH 119TH WAY SCOTTSDALE, AZ 85259 | AFLAC | $648 | $265 | $913 | 4.66% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $809 | — | $809 | 4.13% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVENUE SUITE B SEA ISLE CITY, NJ 08243 | AFLAC | $443 | — | $443 | 2.26% |
| MICHAEL J SHIOMOS3 | 644 MONROE DRIVE CLEMENTON, NJ 08021 | AFLAC | $348 | $53 | $401 | 2.04% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 44 GRIMES COURT EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $323 | $53 | $376 | 1.92% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $79 | $53 | $132 | 0.67% |
| LORENZO V CUTAIA3 | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $112 | — | $112 | 0.57% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIEDLER | 910 DARLENE AVENUE OCEAN, NJ 07712 | AFLAC | $48 | — | $48 | 0.24% |
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 | 380 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 145 | $2.2M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 145 | $2.2M |
| Vision | VISION SERVICE PLAN | 119 | $22K |
| Life insurance | AETNA LIFE INSURANCE CO. | 380 | $41K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 380 | $41K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 145 | $2.2M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 380 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.