| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRIANN PROCIDA3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | HORIZON HEALTHCARE SERVICES, INC. | $3K | — | $3K | 1.34% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $4K | — | $4K | 6.56% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | — | $4K | $4K | 6.41% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $7K | — | $7K | 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 | $2K | — | $2K | 5.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.49% |
| DAVIDL COOPER II3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $659 | — | $659 | 1.49% |
| DORA BOSTICK3 Filed as: DORA I BOSTWICK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $404 | — | $404 | 0.91% |
| SHEM J BOSTICK3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $390 | — | $390 | 0.88% |
| GINA M WESOLEK3 Filed as: GINA L VELONG | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | — | $159 | 0.36% |
| COLLEEN A VOGAN3 Filed as: COLLEEN S LIND | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | — | $152 | 0.34% |
| MICHAEL C WALKER3 Filed as: MICHAEL B HENSH | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.27% |
| MAGDALY SANTOS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 0.25% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.24% |
| EDWARD D SOMMER3 Filed as: EDWARD R STEELE | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.22% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION LLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.21% |
| JOHN T CAPOZZI3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.21% |
| DESARNO BENEFITS LLC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.15% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.10% |
| RYAN BENEFITS INC3 Filed as: RYAN P RENTSCHLER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.08% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN GODWIN | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.08% |
| ROSE M SUDANO3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | PO BOX 850502 MINNEAPOLIS, MN 55485 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 1.93% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $445 | — | $445 | 15.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $297 | $297 | 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 | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 512 | $259K |
| Vision | VISION BENEFITS OF AMERICA | 453 | $46K |
| Life insurance(2 contracts) | USABLE LIFE | 966 | $109K |
| Other(4 contracts, 3 carriers) | USABLE LIFE | 966 | $114K |
| 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.