| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | DELTA DENTAL OF NEW JERSEY, INC. | $8K | $0 | $8K | 3.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1505 CONEY ISLAND AVENUE BROOKLYN, NY 11230 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | $0 | $2K | 0.81% |
| TERRIANN PROCIDA3 | UNKNOWN PARSIPPANY, NJ 07054 | BLUECROSS BLUESHIELD OF ILLINOIS | $7K | $0 | $7K | 3.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 5 CENTURY DRIVE PARSIPPANY, NJ 07054 | BLUECROSS BLUESHIELD OF ILLINOIS | $2K | $0 | $2K | 1.09% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: EMPLOYEE BENEFIT RISK MANAGEMENT | UNKNOWN PARSIPPANY, NJ 07054 | BLUECROSS BLUESHIELD OF ILLINOIS | $1K | $168 | $1K | 0.56% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 | 2457 STATE ROUTE 7, SUITE 1 COBLESKILL, NY 12043 | EXCELLUS BLUECROSS BLUESHIELD | $4K | $0 | $4K | 2.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | EXCELLUS BLUECROSS BLUESHIELD | $1K | $0 | $1K | 1.15% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC. | 14715 NE 95TH STREET, SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 11.28% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 1630 RIVERTON ROAD CINNAMINSON, NJ 08077 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | $235 | $0 | $235 | 2.74% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $569 | $0 | $569 | 14.99% |
| TERRIANN PROCIDA3 | 820 GOLF VIEW ROAD MOORESTOWN, NJ 08057 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $158 | $0 | $158 | 13.28% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP LLC | UNKNOWN PARSIPPANY, NJ 70542 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.08% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 326 | $3.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 441 | $372K |
| Vision | VISION SERVICE PLAN | 229 | $36K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $131K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 38 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $131K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 326 | $3.9M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 788 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.