| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $4K | $0 | $4K | 6.36% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $4K | $4K | 6.26% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.99% |
| MAGDALY SANTOS3 | 642 BRADFORD DR VINELAND, NJ 08360 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.96% |
| DAVID J MCCLELLAN3 Filed as: DAVID L COOPER II | 608 S SCHUMAKER DRIVE SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $713 | $0 | $713 | 1.27% |
| SHEM J BOSTICK3 | 1325 MT. HERMON ROAD #73B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $402 | $0 | $402 | 0.72% |
| DORA BOSTICK3 Filed as: DORA I BOSTICK | 1325 MOUNT HERMON RD SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $395 | $0 | $395 | 0.71% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $247 | $0 | $247 | 0.44% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | 501 FAIRNEST CT DOVER, DE 19904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $190 | $0 | $190 | 0.34% |
| COLLEEN A VOGAN3 Filed as: COLLEEN S LIND | 6652 QUERCUS DRIVE HEBRON, MD 21830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $176 | $0 | $176 | 0.31% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | 1 BELMONT AVE SUITE 304 BALA CYNWYD, PA 19004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | $0 | $160 | 0.29% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DRIVE SINKING SPRING, PA 19608 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | $0 | $140 | 0.25% |
| EDWARD D SOMMER3 Filed as: EDWARD R STEELE | 141 HALLTOWN ROAD MARYDEL, MD 21649 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | $0 | $136 | 0.24% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | 501 FAIRNEST COURT DOVER, DE 19904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | $0 | $66 | 0.12% |
| RYAN BENEFITS INC3 Filed as: RYAN P RENTSCHLER | 205 CIVIC AVENUE SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.06% |
| GINA M WESOLEK3 Filed as: GINA L VELONG | 174 INTREPID LN BERLIN, MD 21811 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.06% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN LECATES | 1325 MT HERMAN RD #13B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.05% |
| HOWARD K BOWEN3 | 3616 SAND ROAD SNOW HILL, MD 21863 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| SHEM J BOSTICK3 | 1325 MT. HERMON RD #73B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION BENEFITS OF AMERICA | $3K | $0 | $3K | 5.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $8K | $0 | $8K | 15.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $5K | $5K | 10.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN. LLC | PO BOX 310502 DES MOINES, IA 50331 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $325 | $0 | $325 | 2.58% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $516 | $0 | $516 | 15.01% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $344 | $344 | 10.01% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES INC | $4K | $0 | $4K | — |
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 | 686 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES INC | 640 | $0 |
| Vision | VISION BENEFITS OF AMERICA | 575 | $56K |
| Life insurance(2 contracts) | USABLE LIFE | 1,048 | $114K |
| Other(4 contracts, 3 carriers) | USABLE LIFE | 1,048 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,048 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.