| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $4K | — | $4K | 1.40% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $12K | — | $12K | 10.74% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $9K | $9K | 8.20% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 19.37% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | 501 FAIRNEST CT DOVER, DE 19904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.66% |
| DORA BOSTICK3 Filed as: DORA I BOSTICK | 1325 MOUNT HERMON ROAD SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.02% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1325 MT. HERMON ROAD 73B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.94% |
| COLLEEN A VOGAN3 Filed as: COLLEEN S. LIND | 6652 QUERCUS DRIVE HEBRON, MD 21830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.74% |
| GINA M WESOLEK3 Filed as: GINA L VELONG | 174 INTREPID LANE BERLIN, MD 21811 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.62% |
| EDWARD D SOMMER3 Filed as: EDWARD R. STEELE | 141 HALLTOWN ROAD MARYDEL, MD 21649 | CONTINENTAL AMERICAN INSURANCE COMPANY | $723 | — | $723 | 1.03% |
| ADVANCED BENEFITS COMMUNICATIONS3 Filed as: ADVANCED BENEFITS COMM | 1 BELMONT AVENUE SUITE 304 BALA CYNWD, PA 19004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $651 | — | $651 | 0.93% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | 501 FAIRNEST COURT DOVER, DE 19904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $491 | — | $491 | 0.70% |
| BENJAMIN PRESSLEY JR.3 | 1720 S. VALLEY FORGE ROAD LANSDALE, PA 19446 | CONTINENTAL AMERICAN INSURANCE COMPANY | $464 | — | $464 | 0.66% |
| RYAN BENEFITS INC3 Filed as: RYAN P. RENTSCHLER | 205 CIVIC AVENUE SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $266 | — | $266 | 0.38% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN LECATES | 1325 MOUNT HERMAN 13B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $230 | $230 | 0.33% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DRIVE SINKING SPRING, PA 19608 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 0.21% |
| HOWARD K BOWEN3 Filed as: HOWARD K. BOWEN | 3616 SAND ROAD SNOW HILL, MD 21863 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1325 MT. HERMON ROAD 73B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DAVID L COOPER3 | 608 SOUTH SCHUMACHER DRIVE SALISBURG, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| 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 ADMIN | PO 310502 DES MOINES, IA 50331 | PROVIDENT LIFE AND ACCIDENT COMPANY | $419 | — | $419 | 2.56% |
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 | 1,054 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 292 | $87K |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 672 | $318K |
| Vision | VISION BENEFITS OF AMERICA | 546 | $54K |
| Life insurance | USABLE LIFE | 1,054 | $114K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 1,054 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,054 | — |
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.