| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | $0 | $6K | 3.11% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | AETNA LIFE INSURANCE CO | $15K | $0 | $15K | 11.11% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO | $3K | $0 | $3K | 2.20% |
| TERRIANN PROCIDA3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $4K | $0 | $4K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | FLAGSHIP HEALTH SYSTEMS | $167 | — | $167 | 3.09% |
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 | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 255 | $212K |
| Vision | VISION SERVICE PLAN | 200 | $41K |
| Life insurance | AETNA LIFE INSURANCE CO | 332 | $137K |
| Short-term disability | AETNA LIFE INSURANCE CO | 332 | $137K |
| Long-term disability | AETNA LIFE INSURANCE CO | 332 | $137K |
| Other | AETNA LIFE INSURANCE CO | 332 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.