| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $815 | $56K | $57K | 20.40% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD BLGD F SUITE 110 CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $55K | $55K | 19.72% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES | 609 NEW ROAD LINWOOD, NJ 08221 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $390 | $26K | $27K | 9.61% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 7.70% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 6.29% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $11K | $11K | 8.51% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $9K | — | $9K | 6.69% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES LLC | 124 TURNER STREET MANUTA, NJ 08051 | USABLE LIFE | $6K | — | $6K | 4.65% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 4.22% |
| COMPLIANCE SERVICES AGENCY3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | MANHATTANLIFE | $3K | — | $3K | 7.21% |
| CARPENTER ROWLAND BATENBURG CO INC3 Filed as: CARPENTER, MARC | 121 BALFOUR AVE LINWOOD, NJ 08221 | MANHATTANLIFE | $3K | — | $3K | 6.09% |
| FORZA GROUP, LLC3 Filed as: FORZA GROUP LLC | 1616 PACIFIC AVENUE ATLANTIC CITY, NJ 08401 | MANHATTANLIFE | $490 | — | $490 | 1.05% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | MANHATTANLIFE | $38 | — | $38 | 0.08% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | ALPHA DENTAL PROGRAMS, INC. | $481 | — | $481 | 2.54% |
| HAFETZ AND ASSOCIATES, LLC3 | — | ALPHA DENTAL PROGRAMS, INC. | $202 | — | $202 | 1.07% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $293 | — | $293 | 10.02% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $293 | — | $293 | 10.02% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS RD MADISON, CT 06443 | AFLAC | $2 | — | $2 | 0.13% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $454K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 358 | $295K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $278K |
| Life insurance(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 273 | $351K |
| Short-term disability | MANHATTANLIFE | 57 | $47K |
| Long-term disability | USABLE LIFE | 273 | $132K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 273 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.