| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $4K | $0 | $4K | 1.40% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 4.58% |
| DAVID J MCCLELLAN3 Filed as: DAVID L COOPER II | 608 S SCHUMAKER DRIVE SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.43% |
| DORA BOSTICK3 Filed as: DORA I BOSTICK | 1325 MOUNT HERMON RD SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $775 | $0 | $775 | 0.80% |
| SHEM J BOSTICK3 | 1325 MT HERMON RD 73B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $742 | $0 | $742 | 0.76% |
| MAGDALY SANTOS3 | 642 BRADFORD DR VINELAND, NJ 08360 | CONTINENTAL AMERICAN INSURANCE COMPANY | $506 | $0 | $506 | 0.52% |
| COLLEEN A VOGAN3 Filed as: COLLEEN S LIND | 6652 QUERCUS DR HEBRON, MD 21830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $464 | $0 | $464 | 0.48% |
| GINA M WESOLEK3 Filed as: GINA L VELONG | 174 INTREPID LN BERLIN, MD 21811 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | $0 | $279 | 0.29% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | 501 FAIRNEST CT DOVER, DE 19904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $264 | $0 | $264 | 0.27% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | $0 | $198 | 0.20% |
| EDWARD D SOMMER3 Filed as: EDWARD R STEELE | 141 HALLTOWN RD MARYDEL, MD 21649 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | $0 | $139 | 0.14% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | 1 BELMONT AVE SUITE 304 BALA CYNWYD, PA 19004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | $0 | $134 | 0.14% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | 501 FAIRNEST COURT DOVER, DE 19904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | $0 | $94 | 0.10% |
| RYAN BENEFITS INC3 Filed as: RYAN P RENTSCHLER | 205 CIVIC AVE SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.06% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN LECATES | 1325 MT HERMAN RD 13B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | $0 | $51 | 0.05% |
| HOME OFFICE - SUTHERLAND CALL CENTE3 | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.04% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DRIVE SINKING SPRING, PA 19608 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | USABLE LIFE | $4K | $0 | $4K | 6.34% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $4K | $4K | 6.25% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | VISION BENEFITS OF AMERICA | $3K | $0 | $3K | 5.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | USABLE LIFE | $6K | $0 | $6K | 15.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $4K | $0 | $4K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | USABLE LIFE | $407 | $0 | $407 | 14.99% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $272 | $272 | 10.02% |
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 | 1,062 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 656 | $309K |
| Vision | VISION BENEFITS OF AMERICA | 585 | $57K |
| Life insurance(2 contracts) | USABLE LIFE | 1,062 | $106K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,062 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,062 | — |
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.