| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE RISK SOLUTIONS3 Filed as: INNOVATIVE RISK SOLUTIONS INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNITED HEALTHCARE INSURANCE COMPANY | $589 | $67K | $67K | 5.28% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS COMPANY | 899 CASSATT RD STE 200 400 BERWYN PARK BERWYN, PA 19312 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $5K | $12K | 0.93% |
| INNOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN RD, STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | AETNA LIFE INSURANCE CO | $12K | — | $12K | 14.88% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PARK E STE 300 CHERRY HILL, NJ 080342483 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 18.29% |
| INNOVATIVE RISK SOLUTIONS3 Filed as: INNOVATIVE RISK SOLUTIONS INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.13% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTONPIKE E STE 300 CHERRY HILL, NJ 080342483 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $830 | $6K | 21.08% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEMPTS OF CHERR | 413 MARLTON PIKE E STE 300 CHERRY HILL, NJ 080342483 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $960 | $202 | $1K | 17.98% |
| INNOVATIVE RISK SOLUTIONS3 Filed as: INNOVATIVE RISK SOLUTIONS INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $203 | — | $203 | 3.14% |
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 | 156 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 272 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO | 257 | $79K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 272 | $1.3M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $66K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $27K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 272 | $1.3M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 223 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.