| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES INC | $61K | $0 | $61K | 4.87% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES INC | $14K | $0 | $14K | 4.88% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $12 | $3K | 3.87% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLD RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $58 | $58 | 0.20% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.89% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $23 | $23 | 0.24% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $101 | $1K | 16.44% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112 | $0 | $112 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLD RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6 | $6 | 0.27% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | $0 | $56 | 4.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS INC | 4000 MIDLANTIC DR MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 2.76% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 2.19% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS INC | 4000 MIDLANTIC DR MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 2.02% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68 | $0 | $68 | 14.91% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 2.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS INC | 4000 MIDLANTIC DR MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 1.13% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $12 | $3K | — |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 94 | $1.3M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $80K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $29K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 16 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $10K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 94 | $296K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.