| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRIANN PROCIDA3 | — | HORIZON HEALTHCARE SERVICES,INC | $4K | — | $4K | 1.34% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $5K | — | $5K | 5.72% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFITS PLANNING LLC | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | USABLE LIFE | $5K | — | $5K | 5.55% |
| INNOVATIVE BENEFITS INC3 Filed as: INNOVATIVE BENEFITS | 101A FOSTER RD MOORESTOWN, NJ 08057 | USABLE LIFE | $8K | — | $8K | 15.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARD, NJ 07105 | USABLE LIFE | $5K | — | $5K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORSTOWN, NJ 08057 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 5.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.54% |
| DESARNO BENEFITS LLC3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.15% |
| DAVID J MCCLELLAN3 Filed as: DAVID COOPER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $575 | — | $575 | 2.92% |
| DORA BOSTICK3 Filed as: DORA INES BOSTICK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $356 | — | $356 | 1.81% |
| SHEM J BOSTICK3 Filed as: SHEM JOSEPH BOSTICK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | — | $341 | 1.73% |
| ROSE & KIERNAN INC3 Filed as: ROSE MARY SUDANO | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 1.10% |
| GINA M WESOLEK3 Filed as: GINA VELONG | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $163 | — | $163 | 0.83% |
| COLLEEN A VOGAN3 Filed as: COLLEEN LIND | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.68% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.49% |
| EDWARD D SOMMER3 Filed as: EDWARD R STEELE | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.47% |
| JOHN T CAPOZZI3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.41% |
| MAGDALY SANTOS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.40% |
| MICHAEL HENSH3 Filed as: MICHAEL BRYAN HENSH | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.40% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.40% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.17% |
| RYAN BENEFITS INC3 Filed as: RYAN RENTSCHLER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.14% |
| MEGAN ELIZABETH CASTO3 Filed as: MEGAN GODWIN | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.09% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | PO BOX 850502 MINNEAPOLIS, MN 88485 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 1.43% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFITS PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | USABLE LIFE | $466 | — | $466 | 14.99% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $311 | — | $311 | 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 | 873 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES,INC | 501 | $271K |
| Vision | VISION BENEFITS OF AMERICA | 446 | $44K |
| Life insurance | USABLE LIFE | 251 | $53K |
| Other(4 contracts, 3 carriers) | USABLE LIFE | 873 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.