| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 2.19% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE DENTAL, INC. | $2K | — | $2K | 2.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $5K | $79 | $5K | 7.63% |
| 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 | $2K | — | $2K | 4.24% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $1K | — | $1K | 5.52% |
| RACHAEL FERRANTE3 | — | AFLAC | $559 | $31 | $590 | 2.30% |
| MICHAEL HENSH3 | — | AFLAC | $365 | $195 | $560 | 2.18% |
| ROSE & KIERNAN INC3 Filed as: ROSE SUDANO | — | AFLAC | $240 | $7 | $247 | 0.96% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | — | AFLAC | $133 | $46 | $179 | 0.70% |
| DESARNO BENEFITS LLC3 | — | AFLAC | $169 | $7 | $176 | 0.68% |
| DAVID J MCCLELLAN3 Filed as: DAVID SACK | — | AFLAC | $165 | — | $165 | 0.64% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | — | AFLAC | $115 | — | $115 | 0.45% |
| LINDA W OLGUIN3 Filed as: LINDA MATTISON | — | AFLAC | $100 | — | $100 | 0.39% |
| MAGDALY SANTOS3 | — | AFLAC | $98 | — | $98 | 0.38% |
| MICHAEL C WALKER3 Filed as: MICHAEL SHIOMOS | — | AFLAC | $66 | — | $66 | 0.26% |
| MARYANN M MEYERS3 Filed as: MARYANN MEYERS | — | AFLAC | $58 | — | $58 | 0.23% |
| MICHAEL C WALKER3 Filed as: MICHAEL FIEDLER | — | AFLAC | $46 | — | $46 | 0.18% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | — | AFLAC | $37 | — | $37 | 0.14% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | — | AFLAC | $35 | — | $35 | 0.14% |
| LORENZO V CUTAIA3 Filed as: LORENZO CUTAIA | — | AFLAC | $31 | — | $31 | 0.12% |
| PAULA GAIL NEAL3 Filed as: PAULA EMOND | — | AFLAC | $21 | — | $21 | 0.08% |
| ALISON YOUNG3 | — | AFLAC | $17 | — | $17 | 0.07% |
| ALBERT SHUST3 | — | AFLAC | $17 | — | $17 | 0.07% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | — | AFLAC | $13 | — | $13 | 0.05% |
| DORA BOSTICK3 | — | AFLAC | $6 | — | $6 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | — | AFLAC | $6 | — | $6 | 0.02% |
| TIMOTHY MCDERMOTT3 | — | AFLAC | $2 | — | $2 | 0.01% |
| ANN PREGNER3 | — | AFLAC | $1 | — | $1 | 0.00% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 117 | $167K |
| Vision | VISION SERVICE PLAN | 177 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 290 | $62K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 290 | $62K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 382 | $96K |
| 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.