| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $268K | — | $268K | 4.01% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | THE HARTFORD | $30K | — | $30K | 10.39% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | THE HARTFORD | $4K | — | $4K | 1.40% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW JUNKIEWICZ JR. | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $1K | — | $1K | 1.65% |
| BETH ANN JUNIKIEWICZ3 Filed as: BETH JUNIKIEWICZ | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $710 | $29 | $739 | 1.13% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AFLAC | $708 | — | $708 | 1.08% |
| VINCENT MORELLI3 | 746 5TH STREET LYNDHURST, NJ 07071 | AFLAC | $517 | $83 | $600 | 0.92% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE COURT ATCO, NJ 08004 | AFLAC | $453 | $61 | $514 | 0.79% |
| STEPHANIE WADE3 | 400 LIPPINCOTT DRIVE SUITE 110 MARLTON, NJ 08053 | AFLAC | $370 | — | $370 | 0.57% |
| JOANN HARTSOCK3 | 16 ROBYN LANE DOYLESTOWN, PA 18901 | AFLAC | $298 | — | $298 | 0.46% |
| VMM BENEFITS INC3 Filed as: VMM BENEFITS INC. | 746 5TH STREET LYNDHURST, NJ 07071 | AFLAC | $261 | — | $261 | 0.40% |
| JOSE A SCHIENEMAN3 Filed as: JOSE SCHIENEMAN | 1020 N DELAWARE AVENUE SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $244 | $15 | $259 | 0.40% |
| STEPHANIE DEVITO3 | 300 POND STREET BRISTOL, PA 19007 | AFLAC | $259 | — | $259 | 0.40% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 550 CENTRAL AVENUE LINWOOD, NJ 08221 | AFLAC | $255 | — | $255 | 0.39% |
| CYNTHIA MUELLER3 | 303 BLUE CYPRESS DRIVE GROVELAND, FL 34736 | AFLAC | $237 | — | $237 | 0.36% |
| ROGERS BENEFIT GROUP INC3 Filed as: DENISE ROGERS | 313 COUNTRY CLUB DRIVE LANSDALE, PA 19446 | AFLAC | $157 | — | $157 | 0.24% |
| LORENZO V CUTAIA3 Filed as: LORENZO CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $124 | — | $124 | 0.19% |
| MICHAEL C WALKER3 Filed as: MICHAEL SHIOMOS | 44 MONROE DRIVE CLEMENTON, NJ 08021 | AFLAC | $101 | $13 | $114 | 0.17% |
| RICHARD H TOBIAS3 Filed as: RICHARD TOBIAS | 416 W. JEFFERSON AVENUE LINWOOD, NJ 08221 | AFLAC | $107 | — | $107 | 0.16% |
| ERIC R MACDOUGALL3 | 1 NEWSHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $95 | $6 | $101 | 0.15% |
| ROGERS BENEFIT GROUP INC3 Filed as: TIMOTHY ROGERS | PO BOX 781 GLENSIDE, PA 19038 | AFLAC | $68 | $28 | $96 | 0.15% |
| HELEN DIZ-HATTON3 Filed as: HELEN-MARY SCHOEDLER | 33 KAINS LANE OCEAN VIEW, NJ 08021 | AFLAC | $95 | — | $95 | 0.15% |
| MARYANN M MEYERS3 Filed as: MARYANN MEYERS | 6704 PLEASURE AVENUE SUITE B SEA ISLE CITY, NJ 08243 | AFLAC | $81 | $13 | $94 | 0.14% |
| DAI BENEFITS INC.3 | 14 BEACH STREET EAST HANAFORD, NJ 07936 | AFLAC | $90 | — | $90 | 0.14% |
| MICHAEL BUTTERFIELD3 | 3120 FIRE ROAD SUITE B102 EGG HARBOR TWP, NJ 08234 | AFLAC | $86 | — | $86 | 0.13% |
| MICHAEL C WALKER3 Filed as: MICHAEL FIEDLER | 910 DARLENE AVENUE OCEAN, NJ 07712 | AFLAC | $86 | — | $86 | 0.13% |
| ELAINE GAUDY3 | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $73 | — | $73 | 0.11% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $72 | — | $72 | 0.11% |
| MICHAEL REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $70 | — | $70 | 0.11% |
| RICHARD WHELAN3 | 3507 NW CLUBSIDE CIRCLE BOCA RATON, FL 33496 | AFLAC | $52 | $17 | $69 | 0.11% |
| DAVID IANNACONE3 | 630 BOULEVARD ELMWOOD PARK, NJ 07407 | AFLAC | $62 | — | $62 | 0.09% |
| BENJAMIN R MORLEY3 Filed as: BENJAMIN MORLEY | 2484 HIETER ROAD QUAKERTOWN, PA 18951 | AFLAC | $61 | — | $61 | 0.09% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $60 | — | $60 | 0.09% |
| DARLENE S DILLON3 | 282 SHELL ROAD CARNEYS POINT, NJ 08069 | AFLAC | $59 | — | $59 | 0.09% |
| KRISTI A CIESLAK3 Filed as: KRISTI CIESLAK | 126 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $58 | — | $58 | 0.09% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOCIATES INC. | ONE NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $46 | — | $46 | 0.07% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA SAUNDERS | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $46 | — | $46 | 0.07% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $46 | — | $46 | 0.07% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW OHANLON | PO BOX 978 CONSHOHOKEN, PA 19428 | AFLAC | $32 | $6 | $38 | 0.06% |
| BRIAN CIESLAK3 | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $38 | — | $38 | 0.06% |
| DYLAN FRANCIS MONTEFORTE3 Filed as: DYLAN MONTEFORTE | 10 AMANDA LANE HOWELL, NJ 07731 | AFLAC | $32 | $5 | $37 | 0.06% |
| STAN DALZELL3 | 956 BRYANT AVENUE LINWOOD, NJ 08221 | AFLAC | $37 | — | $37 | 0.06% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $29 | — | $29 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN PITUCH | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $25 | $2 | $27 | 0.04% |
| DANIEL P HOFFMAN3 Filed as: DANIEL HOFFMAN | 13 TOPEKA COURT TINTON FALLS, NJ 07712 | AFLAC | $23 | — | $23 | 0.04% |
| CUSTOM INSURANCE PROGRAMS LLC3 | 994 W SHERMAN AVENUE BUILDING 2 VINELAND, NJ 08360 | AFLAC | $21 | — | $21 | 0.03% |
| NJ NATIONAL ASSOCIATES LIFE AGENCY3 | PO BOX 477 510 BANK STREET SUITE 200 CAPE MAY, NJ 08204 | AFLAC | $18 | — | $18 | 0.03% |
| THOMAS VOLPE3 | 5218 ATLANTIC AVENUE MAYS LANDING, NJ 08330 | AFLAC | $15 | — | $15 | 0.02% |
| CAESER WILLIAMS JR3 | 123 S BROAD STREET SUITE 1640 PHILADELPHIA, PA 19109 | AFLAC | $14 | — | $14 | 0.02% |
| LONA N ONGARO3 Filed as: LONA ONGARO | 16 TALBON STREET SOMERSET, NJ 08873 | AFLAC | $10 | — | $10 | 0.02% |
| CHRISTOPHER J BURRIS3 Filed as: CHRISTOPHER BURRIS | 26 MAIN STREET SUITE 100 TOMS RIVER, NJ 08753 | AFLAC | $7 | — | $7 | 0.01% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 927 N MAIN STREET SUITE 100 TOMS RIVER, NJ 08753 | AFLAC | $7 | — | $7 | 0.01% |
| RYAN GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AFLAC | $3 | $2 | $5 | 0.01% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $4 | $1 | $5 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $2 | $2 | $4 | 0.01% |
| LYNN A GOULD3 Filed as: LYNN GOULD | 210 LEXINGTON DRIVE LITTLE EGG HARBOR, NJ 08087 | AFLAC | $4 | — | $4 | 0.01% |
| DEBORAH POPPERT3 | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $4 | — | $4 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $1 | $2 | $3 | 0.00% |
| TARA D AGOSTINO3 | 271 US HIGHWAY 46 SUITE D207 FAIRFIELD, NJ 07004 | AFLAC | $1 | $2 | $3 | 0.00% |
| DARREN RIDDLE3 | 7850 AVONDALE TERRANCE HARRISBURG, PA 17112 | AFLAC | $2 | $1 | $3 | 0.00% |
| LAURIE SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $2 | — | $2 | 0.00% |
| ANN PREGNER3 | PO BOX 248 OLDWICK, NJ 08858 | AFLAC | $1 | — | $1 | 0.00% |
| SEAN G HIGGINS3 Filed as: SEAN HIGGINS | 816 DOVER COURT PLACE DOWNINGTON, PA 19335 | AFLAC | $1 | — | $1 | 0.00% |
| NANCY M ANDERSON3 Filed as: NANCY ANDERSON | 11 CEDAR COURT SOMERS POINT, NJ 08244 | AFLAC | $1 | — | $1 | 0.00% |
| TIMOTHY MCDERMOTT3 | 630 BOULEVARD SUITE 100 ELMWOOD PARK, NJ 07407 | AFLAC | $1 | — | $1 | 0.00% |
| CAROLYN E MORRISON3 Filed as: CAROLYN MORRISON | 55 EAST END AVENUE CARNEYS POINT, NJ 08069 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL FORNARO3 | 271 US HIGHWAY 46 SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $1 | — | $1 | 0.00% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 333 OVERLOOK LANE GULPH MILLS, PA 19428 | AFLAC | $1 | — | $1 | 0.00% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AFLAC | $1 | — | $1 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 449 | $6.7M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 449 | $6.7M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 402 | $59K |
| Life insurance | THE HARTFORD | 313 | $290K |
| Long-term disability | THE HARTFORD | 313 | $290K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 449 | $6.7M |
| Other | AFLAC | 84 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
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.