| 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. | $7K | $0 | $7K | 3.03% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 10.35% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GRP | 1125 SANCTUARY PARKWAY STE 300 ATTN MARTIN JOHNSON ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 8.48% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $4K | $0 | $4K | 9.12% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 19.55% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | FLAGSHIP HEALTH SYSTEMS | $183 | $0 | $183 | 3.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34 BUILDING 4 SUITE 404A WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $30 | $0 | $30 | 10.27% |
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 | 287 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 221 | $230K |
| Vision | VISION SERVICE PLAN | 171 | $44K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 287 | $144K |
| Short-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 287 | $168K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 287 | $144K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 287 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.