| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRIANN PROCIDA3 | 101A FOSTER ROAD SUITE A MOORESTOWN, NJ 08057 | OXFORD HEALTH INSURANCE, INC | $50K | — | $50K | 3.53% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 1 FINANCIAL PLAZA HARTFORD, CT 06103 | OXFORD HEALTH INSURANCE, INC | $23K | — | $23K | 1.61% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | DELTA DENTAL OF CONNECTICUT, INC. | $8K | — | $8K | 7.61% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNI | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $4K | 10.10% |
| THE MCKENNAN GROUP3 | 1449 OLD WATERBURY ROAD SOUTHBURY, CT 06488 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $195 | — | $195 | 0.47% |
| PEOPLES UNITED INSURANCE3 | 850 MAIN STREET BRIDGEPORT, CT 06601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $189 | — | $189 | 0.45% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNI | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $661 | $3K | 15.55% |
| THE MCKELLAN GROUP3 | 1449 OLD WATERBURY ROAD SOUTHBURY, CT 06488 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $181 | — | $181 | 0.95% |
| PEOPLES UNITED INSURANCE3 | 850 MAIN STREET BRIDGEPORT, CT 06601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $175 | — | $175 | 0.92% |
| TERRIANN PROCIDA3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $676 | — | $676 | 5.87% |
| PEOPLE'S UNITED INSURANCE AGENCY3 Filed as: PEOPLE'S UNITED INS AGENCY, INC. | — | VISION SERVICE PLAN | $384 | — | $384 | 3.33% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNI | 1012 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $840 | $372 | $1K | 11.77% |
| PEOPLES UNITED INSURANCE3 | 850 MAIN STREET BRIDGEPORT, CT 06601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $93 | — | $93 | 0.90% |
| THE MCKELLAN GROUP3 | 1449 OLD WATERBURY ROAD SOUTHBURY, CT 06488 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53 | — | $53 | 0.51% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNI | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | $121 | $441 | 13.51% |
| THE MCKELLAN GROUP3 | 1449 OLD WATERBURY ROAD SOUTHBURY, CT 06488 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36 | — | $36 | 1.10% |
| PEOPLES UNITED INSURANCE3 | 850 MAIN STREET BRIDGEPORT, CT 06601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35 | — | $35 | 1.07% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING L | — | ALPHA DENTAL PROGRAMS, INC. | $63 | — | $63 | 2.15% |
| PEOPLE PERFORMANCE LLC3 Filed as: PEOPLE'S UNITED INSURANCE AGE | — | ALPHA DENTAL PROGRAMS, INC. | $25 | — | $25 | 0.85% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 193 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CONNECTICUT, INC. | 88 | $108K |
| Vision | VISION SERVICE PLAN | 84 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $42K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 50 | $19K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.