| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $171K | — | $171K | 2.13% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | — | $35K | 30.70% |
| DAVID L COOPER3 | 608 SOUTH SCHUMACHER DRIVE SALISBURG, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 10.86% |
| DORA BOSTICK3 Filed as: DORA I BOSTICK | 1325 MOUNT HERMON ROAD SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.18% |
| GINA M WESOLEK3 Filed as: GINA L VELONG | 174 INTREPID LANE BERLIN, MD 21811 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.03% |
| COLLEEN S. LUND3 Filed as: COLLEEN S LINDS | 6652 QUERCUS DRIVE HEBRON, MD 21830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.68% |
| SHEM J BOSTICK3 | 1325 MOUNT HERMON ROAD #73B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.94% |
| EDWARD D SOMMER3 Filed as: EDWARD R STEELE | 141 HALLTOWN ROAD MARYDEL, MD 21649 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.78% |
| ADVANCED BENEFITS COMMUNICATIONS3 Filed as: ADVANCED BENEFITS COMM | 1 BELMONT AVENUE SUITE 304 BALA CYNWD, PA 19004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| BENJAMIN PRESSLEY JR.3 | 1720 S VALLEY FORGE ROAD LANDSDALE, PA 19446 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.51% |
| RYAN BENEFITS INC3 Filed as: RYAN P RENTSCHLER | 205 CIVIC AVENUE SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.98% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN LECATES | 1325 MOUNT HERMAN ROAD #13B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $979 | — | $979 | 0.85% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DRIVE SINKING SPRING, PA 19608 | CONTINENTAL AMERICAN INSURANCE COMPANY | $535 | — | $535 | 0.47% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | 501 FAIRNEST COURT DOVER, DE 19904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.05% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $11K | — | $11K | 9.97% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $9K | $9K | 7.84% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMINSTRAT | PO BOX 310502 DES MOINES, IA 50331 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $637 | — | $637 | 2.64% |
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 | 1,078 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 699 | $8.2M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 699 | $8.0M |
| Vision | VISION BENEFITS OF AMERICA | 569 | $55K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 1,078 | $134K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 699 | $8.0M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,078 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,078 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.