| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $103K | $104K | 3.29% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | DELTA DENTAL OF NEW JERSEY | $5K | — | $5K | 3.57% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 19.17% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.32% |
| COMPLIANCE SERVICES AGENCY3 | 500 PELHAM DR GALLOWAY, NJ 08205 | MANHATTANLIFE | $3K | — | $3K | 6.56% |
| MARC A GROVE3 Filed as: MARC CARPENTER | 121 BALFOUR AVE LINWOOD, NJ 08221 | MANHATTANLIFE | $2K | — | $2K | 5.83% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | MANHATTANLIFE | $669 | — | $669 | 1.64% |
| FORZA GROUP, LLC3 Filed as: FORZA GROUP | 1616 PACIFIC AVE ATLANTIC CITY, NJ 08401 | MANHATTANLIFE | $373 | — | $373 | 0.91% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 38.30% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | ALPHA DENTAL PROGRAMS, INC | $613 | — | $613 | 3.01% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.39% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | 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 | 338 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 319 | $3.3M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $334K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 319 | $3.2M |
| Life insurance(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 65 | $293K |
| Short-term disability | MANHATTANLIFE | 65 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $46K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 319 | $3.2M |
| Other(6 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 65 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.