| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.99% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $855 | $569 | $1K | 8.32% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 15.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $209 | $2K | 17.24% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $645 | — | $645 | 17.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 4000 MIDLANTIC DR MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 1.14% |
| GETTYSBURG BNFTS ADMIN INC3 | PO BOX 1060 GETTYSBURGE, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 1.09% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $113 | $44 | $157 | 6.94% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $62K | $18K | $80K | — |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 96 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $74K |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 96 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $9K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 96 | $0 |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.