| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $0 | $29K | 10.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $220 | $220 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE STE 1601 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38 | $38 | 0.01% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | AETNA LIFE INSURANCE CO. | $34K | $0 | $34K | 15.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $266 | $266 | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BNFTS LLC | PO BOX 71542 CHICAGO, IL 606941542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | $0 | $257 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $171 | $171 | 0.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 70 NE LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $160 | $0 | $160 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 12750 MERIT DR STE 1000 DALLAS, TX 75251 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | $0 | $127 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 12750 MERIT DR SUITE 1000 DALLAS, TX 75251 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $107 | $0 | $107 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 12750 MERIT DR STE 1000 DALLAS, TX 75251 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | $0 | $77 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 70 NE LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.08% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | VISION SERVICE | $3K | $0 | $3K | 8.31% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.00% |
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 | 563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $267K |
| Vision | VISION SERVICE | 305 | $39K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 563 | $248K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 563 | $248K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 550 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.