| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $3K | — | $3K | 2.19% |
| 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 AND AFFILIATES | $3K | — | $3K | 7.37% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 7.37% |
| DAVID J MCCLELLAN3 Filed as: DAVID R. SACK | 501 FAIRNEST COURT DOVER, DE 19904 | AFLAC | $2K | — | $2K | 8.32% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $2K | — | $2K | 5.99% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | 501 FAIRNEST COURT DOVER, DE 19904 | AFLAC | $528 | — | $528 | 1.76% |
| MICHAEL C WALKER3 Filed as: MICHAEL A. FIELDER | 910 DARLENE AVENUE OCEAN, NJ 07712 | AFLAC | $243 | — | $243 | 0.81% |
| PAULA GAIL NEAL3 Filed as: PAULA M EMOND | 5 TREATY ELM LANE SHAMONG, NJ 08088 | AFLAC | $219 | — | $219 | 0.73% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVENUE SUITE B SEA ISLE, NJ 08243 | AFLAC | $195 | — | $195 | 0.65% |
| MICHAEL J SHIOMOS3 Filed as: MICHAEL J. SHIOMOS | 44 MONROE DRIVE CLEMENTON, NJ 08021 | AFLAC | $193 | — | $193 | 0.64% |
| SHEM J BOSTICK3 | 1620 DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $172 | — | $172 | 0.57% |
| SHEM J BOSTICK3 | 1325 MOUNT HERMON ROAD SUITE 13B SALISBURY, MD 21804 | AFLAC | $143 | — | $143 | 0.48% |
| LINDA W OLGUIN3 Filed as: LINDA E MATTISON | 11205 N 119TH WAY SCOTTSDALE, AZ 85259 | AFLAC | $137 | — | $137 | 0.46% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 1433 MCMASTER DRIVE SURFSIDE BEACH, SC 29575 | AFLAC | $107 | — | $107 | 0.36% |
| LORENZO V CUTAIA3 | 123 AZALEA LANE EGG HARBOR TWP, NJ 08234 | AFLAC | $55 | — | $55 | 0.18% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 550 CENTRAL AVENUE LINWOOD, NJ 08221 | AFLAC | $49 | — | $49 | 0.16% |
| DORA BOSTICK3 Filed as: DORA BOSICK | 1620 S. DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $31 | — | $31 | 0.10% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $26 | — | $26 | 0.09% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $24 | — | $24 | 0.08% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 23 MORGAN DRIVE SPARTA, NJ 07871 | AFLAC | $13 | — | $13 | 0.04% |
| TIMOTHY MCDERMOTT3 | 630 BOULEVARD SUITE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $3 | — | $3 | 0.01% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $2 | — | $2 | 0.01% |
| JULIO E ZURITA3 | 273 VALLEY ROAD RIVER EDGE, NJ 07661 | AFLAC | $1 | — | $1 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTOPHER J BURRIS3 | 26 MAIN STREET SUTIE 100 TOMS RIVER, NJ 08753 | AFLAC | $1 | — | $1 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $1K | — | $1K | 5.09% |
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 |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 157 | $135K |
| Vision | VISION SERVICE PLAN | 120 | $24K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 416 | $44K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 416 | $44K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 416 | $44K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 416 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.