| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $3K | — | $3K | 2.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | HARTFORD LIFE AND ACCIDENT | $4K | $240 | $4K | 7.93% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 7.50% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $2K | — | $2K | 4.37% |
| TERRIANN PROCIDA3 | — | AFLAC | $699 | — | $699 | 3.29% |
| MAGDALY SANTOS3 | — | AFLAC | $382 | $185 | $567 | 2.67% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | — | AFLAC | $231 | — | $231 | 1.09% |
| MICHAEL HENSH3 | — | AFLAC | $121 | $17 | $138 | 0.65% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | — | AFLAC | $115 | — | $115 | 0.54% |
| LINDA W OLGUIN3 Filed as: LINDA E MATTISON | — | AFLAC | $109 | — | $109 | 0.51% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $99 | — | $99 | 0.47% |
| MARYANN M MEYERS3 | — | AFLAC | $90 | — | $90 | 0.42% |
| MICHAEL J SHIOMOS3 | — | AFLAC | $79 | — | $79 | 0.37% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | — | AFLAC | $56 | — | $56 | 0.26% |
| JOHN T CAPOZZI3 | — | AFLAC | $10 | $41 | $51 | 0.24% |
| SHEM J BOSTICK3 | — | AFLAC | $49 | — | $49 | 0.23% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIEDLER | — | AFLAC | $46 | — | $46 | 0.22% |
| LORENZO V CUTAIA3 | — | AFLAC | $39 | — | $39 | 0.18% |
| ALBERT SHUST3 | — | AFLAC | $18 | — | $18 | 0.08% |
| BRIAN M LEYPOLDT3 | — | AFLAC | $15 | — | $15 | 0.07% |
| PAULA GAIL NEAL3 Filed as: PAULA M EMOND | — | AFLAC | $15 | — | $15 | 0.07% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | — | AFLAC | $6 | — | $6 | 0.03% |
| DORA BOSTICK3 | — | AFLAC | $6 | — | $6 | 0.03% |
| TIMOTHY MCDERMOTT3 | — | AFLAC | $3 | — | $3 | 0.01% |
| ANN PREGNER | — | AFLAC | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING EIN 52-2072161 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $139K |
| CONTINENTAL BENEFITS EIN 38-3919227 NONE | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $59K |
| PHIA GROUP EIN 46-1439866 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $6K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $6K |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 108 | $147K |
| Vision | VISION SERVICE PLAN | 167 | $35K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 282 | $55K |
| Short-term disability | AFLAC | 25 | $21K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 282 | $55K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 282 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.