| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $97K | — | $97K | 4.73% |
| NATIONAL BENEFITS PARTNER LLC3 Filed as: NATIONAL BENEFITS PARTNER INSURANCE | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.36% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.36% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $1K | — | $1K | 5.48% |
| MICHAEL TUMMINELLI3 Filed as: MICHAEL A FIDLER | 910 DARLENE AVENUE OCEAN, NJ 07712 | AFLAC | $971 | $12 | $983 | 4.03% |
| PAULA GAIL NEAL3 Filed as: PAULA M EMOND | 5 TREATY ELM LANE SHAMONG, NJ 08088 | AFLAC | $702 | $273 | $975 | 3.99% |
| MICHAEL J SHIOMOS3 | 44 MONROE DRIVE CLEMENTON, NJ 08021 | AFLAC | $389 | $52 | $441 | 1.81% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | 501 FAIRNESS COURT DOVER, DE 19904 | AFLAC | $416 | — | $416 | 1.70% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVENUE SUITE B SEA ISLE CITY, NJ 08243 | AFLAC | $329 | $40 | $369 | 1.51% |
| LINDA W OLGUIN3 Filed as: LINDA E MATTISON | 11205 N 115TH WAY SCOTTSDALE, AZ 85259 | AFLAC | $208 | — | $208 | 0.85% |
| JEANNE JENETTA3 | 550 CENTRAL AVENUE LINWOOD, NJ 08221 | AFLAC | $140 | — | $140 | 0.57% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | 501 FAIRNEST COURT DOVER, DE 19904 | AFLAC | $120 | — | $120 | 0.49% |
| LORENZO V CUTAIA3 | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $103 | — | $103 | 0.42% |
| DORA BOSTICK3 | 1620 S DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $82 | — | $82 | 0.34% |
| SHEM J BOSTICK3 | 1325 MOUNT HERMON ROAD SUITE 13B SALISBURY, MD 21804 | AFLAC | $72 | — | $72 | 0.29% |
| JEANNE JENETTA3 | 44 GRIMES COURT EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $48 | — | $48 | 0.20% |
| ALBERT SHUST3 | 200 CENTENIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $44 | — | $44 | 0.18% |
| DORA BOSTICK3 | 1325 MOUNT HERMON ROAD SUITE 13B SALISBURY, MD 21804 | AFLAC | $21 | — | $21 | 0.09% |
| CHRISTOPHER J BURRIS3 | 26 MAIN STREET SUITE 100 TOMS RIVER, NJ 08753 | AFLAC | $12 | — | $12 | 0.05% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | 501 FAIRNEST COURT DOVER, DE 19904 | AFLAC | $12 | — | $12 | 0.05% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $5 | — | $5 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $2 | — | $2 | 0.01% |
| JULIO E ZURITA3 | 187 OAK LANE NEW MILFORD, NJ 07646 | AFLAC | $1 | — | $1 | 0.00% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY MCDERMOTT3 | 630 BOULEVARD SUITE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $1 | — | $1 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $1K | — | $1K | 5.25% |
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 | 369 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 150 | $2.1M |
| Vision | VISION SERVICE PLAN | 121 | $22K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 369 | $37K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 369 | $37K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 150 | $2.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 369 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.