| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | WESTPORT INSURANCE | $136K | — | $136K | 23.85% |
| TERRIANN PROCIDA3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC | $2K | — | $2K | 2.21% |
| TERRIANN PROCIDA3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE DENTAL, INC. | $2K | — | $2K | 2.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 06094 | HARTFORD LIFE AND ACCIDENT | $5K | $375 | $5K | 8.12% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 7.50% |
| TERRIANN PROCIDA3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $1K | — | $1K | 4.10% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | — | AFLAC | $2K | — | $2K | 8.01% |
| MICHAEL HENSH3 | — | AFLAC | $1K | $3 | $1K | 5.22% |
| JOHN T CAPOZZI3 | — | AFLAC | $251 | $3 | $254 | 1.24% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | — | AFLAC | $160 | — | $160 | 0.78% |
| MAGDALY SANTOS3 | — | AFLAC | $119 | $14 | $133 | 0.65% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | — | AFLAC | $106 | — | $106 | 0.52% |
| LINDA W OLGUIN3 Filed as: LINDA E MATTISON | — | AFLAC | $94 | — | $94 | 0.46% |
| MICHAEL J SHIOMOS3 | — | AFLAC | $67 | — | $67 | 0.33% |
| MARYANN M MEYERS3 | — | AFLAC | $60 | — | $60 | 0.29% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIEDLER | — | AFLAC | $43 | — | $43 | 0.21% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | — | AFLAC | $36 | — | $36 | 0.18% |
| SHEM J BOSTICK3 | — | AFLAC | $34 | — | $34 | 0.17% |
| LORENZO V CUTAIA3 | — | AFLAC | $31 | — | $31 | 0.15% |
| PAULA GAIL NEAL3 Filed as: PAULA M EMOND | — | AFLAC | $20 | — | $20 | 0.10% |
| ALBERT SHUST3 | — | AFLAC | $16 | — | $16 | 0.08% |
| BRIAN M LEYPOLDT3 | — | AFLAC | $12 | — | $12 | 0.06% |
| RACHAEL FERRANTE3 | — | AFLAC | $12 | — | $12 | 0.06% |
| DORA BOSTICK3 | — | AFLAC | $5 | — | $5 | 0.02% |
| ROSE M SUDANO3 | — | AFLAC | $5 | — | $5 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | — | AFLAC | $5 | — | $5 | 0.02% |
| DESARNO BENEFITS LLC | — | AFLAC | $4 | — | $4 | 0.02% |
| TIMOTHY MCDERMOTT3 | — | AFLAC | $2 | — | $2 | 0.01% |
| ANN PREGNER3 | — | AFLAC | $2 | — | $2 | 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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTPORT INSURANCE | 198 | $571K |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC | 118 | $154K |
| Vision | VISION SERVICE PLAN | 169 | $36K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 272 | $61K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 272 | $61K |
| Prescription drug | WESTPORT INSURANCE | 198 | $571K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE | 198 | $571K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 382 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.