| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HEALTHCARE DENTAL, INC. | $2K | $0 | $2K | 2.20% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $1K | $0 | $1K | 2.20% |
| NATIONAL BENEFITS PARTNER INS. AGCY3 Filed as: NATIONAL BENEFITS PARTNER INSUR. | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.61% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.61% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.75% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | 501 FAIRNEST CT DOVER, DE 19904 | AFLAC | $255 | $225 | $480 | 2.94% |
| TERRIANN PROCIDA3 | 101 A FOSTER RD MOORESTOWN, NJ 08057 | AFLAC | $418 | $0 | $418 | 2.56% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | 501 FAIRNEST CT DOVER, DE 19904 | AFLAC | $60 | $45 | $105 | 0.64% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVE STE B SEA ISLE CITY, NJ 08243 | AFLAC | $102 | $0 | $102 | 0.62% |
| MICHAEL J SHIOMOS3 | 44 MONROE DR CLEMENTON, NJ 08021 | AFLAC | $99 | $0 | $99 | 0.61% |
| SHEM J BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $53 | $45 | $98 | 0.60% |
| PAULA GAIL NEAL3 Filed as: PAULA M EMOND | 5 TREATY ELM LN SHAMONG, NJ 08088 | AFLAC | $98 | $0 | $98 | 0.60% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 1433 MCMASTER DR SURFSIDE BEACH, SC 29575 | AFLAC | $96 | $0 | $96 | 0.59% |
| LINDA W OLGUIN3 Filed as: LINDA E MATTISON | 11205 N 119TH WAY SCOTTSDALE, AZ 85259 | AFLAC | $88 | $0 | $88 | 0.54% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIEDLER | 8 SEWARD DR OCEAN, NJ 07712 | AFLAC | $87 | $0 | $87 | 0.53% |
| MAGDALY SANTOS3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $65 | $0 | $65 | 0.40% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TWP, NJ 08234 | AFLAC | $31 | $0 | $31 | 0.19% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $21 | $0 | $21 | 0.13% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $15 | $0 | $15 | 0.09% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $14 | $0 | $14 | 0.09% |
| DORA BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $7 | $0 | $7 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $3 | $0 | $3 | 0.02% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $2 | $0 | $2 | 0.01% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $2 | $0 | $2 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $2 | $0 | $2 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $2 | $0 | $2 | 0.01% |
| JULIO E ZURITA3 | 273 VALLEY RD RIVER EDGE, NJ 07661 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HEALTHCARE DENTAL, INC. | 99 | $129K |
| Vision | VISION SERVICE PLAN | 150 | $29K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 434 | $43K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 434 | $43K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 434 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.