| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRIANN PROCIDA3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $4K | — | $4K | 1.34% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $4K | — | $4K | 6.37% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $4K | $4K | 6.27% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $8K | — | $8K | 15.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $5K | $5K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 5.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.75% |
| DAVID J MCCLELLAN3 Filed as: DAVID L COOPER II | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $325 | — | $325 | 0.82% |
| SHEM J BOSTICK3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $204 | — | $204 | 0.52% |
| DORA BOSTICK3 Filed as: DORA I BOSTICK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $204 | — | $204 | 0.52% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 0.24% |
| COLEEN SHERMAN3 Filed as: COLEEN S LIND | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.20% |
| GINA M WESOLEK3 Filed as: GINA VELONG | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.19% |
| MICHAEL C WALKER3 Filed as: MICHAEL B HENSH | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.17% |
| MAGDALY SANTOS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.16% |
| JOHN T CAPOZZI3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.13% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.11% |
| EDWARD D SOMMER3 Filed as: EDWARD R STEELE | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.11% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.08% |
| RYAN BENEFITS INC3 Filed as: RYAN P RENTSCHLER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN LECATES | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN | PO BOX 310502 DES MOINES, IA 50331 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $217 | — | $217 | 2.80% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $511 | — | $511 | 14.99% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $341 | $341 | 10.01% |
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 | 966 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 575 | $290K |
| Vision | VISION BENEFITS OF AMERICA | 519 | $52K |
| Life insurance | USABLE LIFE | 307 | $55K |
| Other(4 contracts, 3 carriers) | USABLE LIFE | 966 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 966 | — |
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.