| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $61K | $17K | $78K | 3.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN DBA BENEFIT MAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $21K | $6K | $27K | 1.16% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $12 | $3K | 3.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW JERSEY, LLC | 20 WATERVIEW BLVD SUITE 401 PARSIPPANY, NJ 07054 | METROPOLITAN LIFE INSURANCE COMPANY | $232 | — | $232 | 0.29% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | UNUM | $4K | — | $4K | 13.91% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NA | $943 | — | $943 | 4.10% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NA | — | $206 | $206 | 0.90% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW JERSEY, LLC | 20 WATERVIEW BLVD SUITE 401 PARSIPPANY, NJ 07054 | LIFE INSURANCE COMPANY OF NA | $206 | — | $206 | 0.90% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NA | $1K | — | $1K | 12.26% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW JERSEY, LLC | 20 WATERVIEW BLVD SUITE 401 PARSIPPANY, NJ 07054 | LIFE INSURANCE COMPANY OF NA | $281 | — | $281 | 2.73% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NA | -$47 | $140 | $93 | 0.90% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | SUN LIFE ASSURANCE COMPANY OF CANADA | $947 | — | $947 | 11.94% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW JERSEY, LLC | 20 WATERVIEW BLVD SUITE 401 PARSIPPANY, NJ 07054 | SUN LIFE ASSURANCE COMPANY OF CANADA | $242 | — | $242 | 3.05% |
| THELMA JEAN CITTA3 | PO BOX 4353 CHERRY HILL, NJ 08034 | PRE PAID LEGAL SERVICES INC DBA LEGALSHIELD | $317 | — | $317 | 11.82% |
| KARL M FRIEDMAN3 | PO BOX 4353 CHERRY HILL, NJ 08034 | PRE PAID LEGAL SERVICES INC DBA LEGALSHIELD | $20 | — | $20 | 0.75% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NA | $89 | — | $89 | 4.11% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NA | — | $20 | $20 | 0.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NJ DBA NEW AGENCY PAR | 20 WATERVIEW BLVD SUITE 401 PARSIPPANY, NJ 07054 | LIFE INSURANCE COMPANY OF NA | $20 | — | $20 | 0.92% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $322 | — | $322 | 15.48% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 1.15% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, PA 08057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 5.14% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.31% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.22% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.