| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES INC. | $258K | — | $258K | 4.88% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKY SUITE 375 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $1K | -$1K | $318 | 0.11% |
| VINCENT M MORELLI3 | 746 5TH STREET LYNDHURST, NJ 07071 | AFLAC | $2K | $7 | $2K | 2.42% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $1K | — | $1K | 1.56% |
| BETH ANN JUNIKIEWICZ3 Filed as: BETH ANN JUNKIEWICZ | 22 MORGAN SPRING DRIVE MORGANTOWN, PA 19543 | AFLAC | $954 | $34 | $988 | 1.51% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY J ROGERS | PO BOX 781 GLENSIDE, PA 19038 | AFLAC | $844 | $101 | $945 | 1.44% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE CT ATCO, NJ 08004 | AFLAC | $563 | — | $563 | 0.86% |
| ANDREW J JUNIKIEWICZ JR3 | 22 MORGAN SPRING DRIVE MORGANTOWN, PA 19543 | AFLAC | $420 | — | $420 | 0.64% |
| STEPHANIE S WADE3 | 400 LIPPINCOTT DR STE 110 MARLTON, NJ 08053 | AFLAC | $388 | — | $388 | 0.59% |
| JOANN HARTSOCK3 Filed as: JOANN HARTSTOCK | 1214 EASTON ROAD SUITE 100 WARRINGTON, PA 18976 | AFLAC | $313 | — | $313 | 0.48% |
| JEANNE JENETTA3 Filed as: JEANNE JEANNETTA | 44 GRIMES COURT EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $295 | $7 | $302 | 0.46% |
| STEPHANIE DEVITO3 | 300 POND ST BRISTOL, PA 19007 | AFLAC | $278 | $20 | $298 | 0.45% |
| VMM BENEFITS INC3 Filed as: VMM BENEFITS | 764 5TH STREET LYNDHUNT, NJ 07071 | AFLAC | $288 | — | $288 | 0.44% |
| CYNTHIA MUELLER3 | 303 BLUE CYPRES DRIVE GROVELAND, FL 34736 | AFLAC | $252 | — | $252 | 0.38% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVENUE SUITE B SEA ISLE CITY, NJ 08243 | AFLAC | $217 | — | $217 | 0.33% |
| RICHARD WHELAN3 | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $190 | $3 | $193 | 0.29% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL | 1 NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $173 | $20 | $193 | 0.29% |
| JOSE A SCHIENEMAN3 | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILIDELPHIA, PA 19125 | AFLAC | $184 | $7 | $191 | 0.29% |
| MICHAEL J SHIOMOS3 Filed as: MICHAEL J SHOMOS | 44 MONROE DRIVE CLEMENTON, NJ 08021 | AFLAC | $146 | $7 | $153 | 0.23% |
| ROGERS BENEFIT GROUP INC3 Filed as: DENISE ROGERS | 313 COUNTRY CLUB DRIVE LANSDALE, PA 19446 | AFLAC | $148 | — | $148 | 0.23% |
| KELLOUN HUTCHINSON3 | 47 CARNEGIE AVENUE EAST ORANGE, NJ 07018 | AFLAC | $143 | $4 | $147 | 0.22% |
| LORENZO V CUTAIA3 Filed as: LORENZO V CUTAJA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $133 | — | $133 | 0.20% |
| MG BERGER INC3 Filed as: MG BERGER INC. | 1020 NORTH DELAWARE AVENUE SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $81 | $27 | $108 | 0.16% |
| DAI BENEFITS INC.3 | 14 BEACH STREET EAST HANAFORD, NJ 07936 | AFLAC | $106 | — | $106 | 0.16% |
| HELEN DIZ-HATTON3 Filed as: HELEN-MARY SCHOEDLER | 33 KLAINS LANE OCEAN VIEW, NJ 08230 | AFLAC | $91 | — | $91 | 0.14% |
| MICHAEL BUTTERFIELD3 | 34 MAIN STREET SUITE 1B TOMS RIVER, NJ 08753 | AFLAC | $85 | — | $85 | 0.13% |
| EXCEPTIONAL SERVICES INC3 Filed as: EXCEPTIONAL SERVICES INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $78 | — | $78 | 0.12% |
| ELAINE GAUDY3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $76 | — | $76 | 0.12% |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $75 | — | $75 | 0.11% |
| RICHARD H TOBIAS3 | 416 JEFFERSON AVE LINWOOD, NJ 08221 | AFLAC | $69 | — | $69 | 0.11% |
| LABRON SANDERS3 | 14 MARSHALL STREET APARTMENT 3Q IRVINGTON, NJ 07111 | AFLAC | $59 | $5 | $64 | 0.10% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PLACE SICKLERVILLE, NJ 08057 | AFLAC | $61 | — | $61 | 0.09% |
| BENJAMIN R MORLEY3 | 2484 HIETER ROAD QUAKERTOWN, PA 18951 | AFLAC | $59 | — | $59 | 0.09% |
| RICHARD H TOBIAS3 | 416 WEST JEFFERSON AVENUE LINWOOD, NJ 08221 | AFLAC | $58 | — | $58 | 0.09% |
| DAVID GROSSMAN3 Filed as: DAVID A IANNACONE | 630 BOULEVARD ELMWOOD PARK, NJ 07407 | AFLAC | $57 | — | $57 | 0.09% |
| DARLENE S DILLON3 | 282 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $54 | — | $54 | 0.08% |
| KRISTI A CIESLAK3 | 126 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $54 | — | $54 | 0.08% |
| MATHEW T. OHANLON3 Filed as: MATHEW T OHANLON | P.O. BOX 978 CONSHOHOCKEN, PA 19428 | AFLAC | $53 | — | $53 | 0.08% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $49 | — | $49 | 0.07% |
| JOSHUA P SAUNDERS3 | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $48 | — | $48 | 0.07% |
| STAN DALZELL3 | 956 BRYANT AVENUE LINWOOD, NJ 08221 | AFLAC | $46 | — | $46 | 0.07% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LANE HOWELL, NJ 07731 | AFLAC | $42 | $3 | $45 | 0.07% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $36 | $7 | $43 | 0.07% |
| DANIEL P HOFFMAN3 | 13 TOPEKA COURT TINTON FALLS, NJ 07712 | AFLAC | $25 | — | $25 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 07712 | AFLAC | $22 | — | $22 | 0.03% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D WILLIAMS JR. | 123 SOUTH BROAD STREET SUITE 1640 PHILIDELPHIA, PA 19109 | AFLAC | $21 | — | $21 | 0.03% |
| CUSTOM INSURANCE PROGRAMS LLC3 | 994 WEST SHERMAN AVENUE BUILDING 2 VINELAND, NJ 08360 | AFLAC | $20 | — | $20 | 0.03% |
| NJ NATIONAL ASSOCIATES LIFE AGENCY3 | P.O. BOX 477 510 BANK STREET, STE 1640 CAPEMAY, NJ 08204 | AFLAC | $17 | — | $17 | 0.03% |
| THOMAS VOLPE3 | 927 NORTH MAIN STREET SUITE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $13 | — | $13 | 0.02% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $10 | $3 | $13 | 0.02% |
| LONA N ONGARO3 | 16 TALBOT STREET SOMERSET, NJ 08873 | AFLAC | $10 | — | $10 | 0.02% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 927 NORTH MAIN STREET SUITE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $7 | — | $7 | 0.01% |
| LYNN A GOULD3 | 474 QUINCE AVENUE GALLOWAY, NJ 08205 | AFLAC | $2 | — | $2 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | NATIONAL VISION ADMINISTRATORS, LLC | $3K | — | $3K | 4.76% |
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 | 371 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC. | 371 | $5.3M |
| Dental | HORIZON HEALTHCARE SERVICES INC. | 371 | $5.3M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 343 | $54K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 264 | $294K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 264 | $294K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC. | 371 | $5.3M |
| Other | AFLAC | 74 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.