| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | DELTA DENTAL OF NEW JERSEY, INC. | $26K | $0 | $26K | 10.67% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | AETNA LIFE INSURANCE CO. | $16K | $0 | $16K | 10.90% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 079811054 | METROPOLITAN LIFE INSURANCE COMPANY | $774 | $388 | $1K | 2.83% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.05% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | TELADOC | $2K | $0 | $2K | 13.40% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 265 | $244K |
| Vision | VISION SERVICE PLAN | 218 | $34K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 404 | $191K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 404 | $150K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 404 | $150K |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 404 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.