| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | DELTA DENTAL OF NEW JERSEY, INC | $5K | — | $5K | 5.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | DELTA DENTAL OF NEW JERSEY, INC | $2K | — | $2K | 2.50% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | FLAGSHIP HEALTH SYSTEMS | $1K | — | $1K | 2.68% |
| TERRIANN PROCIDA3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $2K | — | $2K | 4.34% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LL | 101A FOSTER RD MOORESTOWN, NJ 08057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $681 | $6K | 17.59% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 9.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | — | AFLAC | $1K | — | $1K | 4.21% |
| CHRIS GUZEWICH3 Filed as: CHRIS DAVID PAOLONE | — | AFLAC | $1K | — | $1K | 3.42% |
| DESARNO BENEFITS LLC3 | — | AFLAC | $299 | $20 | $319 | 1.04% |
| MICHAEL HENSH3 | — | AFLAC | $304 | — | $304 | 0.99% |
| MICHAEL C WALKER3 Filed as: MICHAEL J DESARNO | — | AFLAC | $274 | — | $274 | 0.89% |
| RACHAEL FERRANTE3 | — | AFLAC | $137 | $84 | $221 | 0.72% |
| ROSE M SUDANO3 | — | AFLAC | $130 | $20 | $150 | 0.49% |
| JOHN T CAPOZZI3 | — | AFLAC | $148 | — | $148 | 0.48% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | — | AFLAC | $144 | — | $144 | 0.47% |
| JEANNE CUOZZO3 | — | AFLAC | $125 | — | $125 | 0.41% |
| LINDA W OLGUIN3 Filed as: LINDA E MATTISON | — | AFLAC | $108 | — | $108 | 0.35% |
| MAGDALY SANTOS3 | — | AFLAC | $102 | — | $102 | 0.33% |
| MICHAEL C WALKER3 Filed as: MICHAEL SHIOMOS | — | AFLAC | $69 | — | $69 | 0.23% |
| ALISON YOUNG3 | — | AFLAC | $63 | — | $63 | 0.21% |
| MARYANN M MEYERS3 | — | AFLAC | $63 | — | $63 | 0.21% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | — | AFLAC | $37 | — | $37 | 0.12% |
| LORENZO V CUTAIA3 | — | AFLAC | $34 | — | $34 | 0.11% |
| SHEM J BOSTICK3 | — | AFLAC | $30 | — | $30 | 0.10% |
| MICHAEL C WALKER3 Filed as: MICHAEL A FIELDER | — | AFLAC | $24 | — | $24 | 0.08% |
| PAULA GAIL NEAL3 Filed as: PAULA M EMOND | — | AFLAC | $23 | — | $23 | 0.08% |
| ALBERT SHUST3 | — | AFLAC | $18 | — | $18 | 0.06% |
| BRIAN M LEYPOLDT3 | — | AFLAC | $14 | — | $14 | 0.05% |
| WORTHAM SAN ANTONIO INC6 Filed as: JOHN A PITUCH | — | AFLAC | $6 | — | $6 | 0.02% |
| ANN PREGNER3 | — | AFLAC | $2 | — | $2 | 0.01% |
| TIMOTHY MCDERMOTT3 | — | AFLAC | $2 | — | $2 | 0.01% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $526 | $4K | 14.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 9.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | ALPHA DENTAL PROGRAMS, INC | $497 | — | $497 | 3.00% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC | 126 | $159K |
| Vision | VISION SERVICE PLAN | 191 | $38K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $60K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $26K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 310 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.