| 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 | $170K | — | $170K | 30.80% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | DELTA DENTAL OF NEW JERSEY | $5K | — | $5K | 3.46% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 12.07% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.84% |
| COMPLIANCE SERVICES AGENCY3 | — | MANHATTANLIFE | $2K | — | $2K | 5.79% |
| MARC A GROVE3 Filed as: MARC CARPENTER | — | MANHATTANLIFE | $2K | — | $2K | 5.52% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | MANHATTANLIFE | $1K | — | $1K | 2.76% |
| FORZA GROUP, LLC3 Filed as: FORZA GROUP LLC | — | MANHATTANLIFE | $431 | — | $431 | 1.01% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.16% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $293 | — | $293 | 10.02% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$2K | — | -$2K | -75.66% |
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 | 389 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 340 | $620K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY | 495 | $224K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 340 | $551K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 393 | $267K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 340 | $551K |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 393 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.