| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | BLUE CROSS BLUE SHIELD HEALTHPLAN OF GEORGIA, INC. | — | $26K | $26K | 0.19% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 9.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | 300 W 10TH ST WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $43 | — | $43 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MARSH & MCLEN | PO BO WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $37 | — | $37 | 0.01% |
| HYLANT GROUP INC3 | 100 S COLLEGE AVE SUITE 230 BLOOMINGTON, IN 47404 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 9.09% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.89% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR SUITE J4100 ANN ARBOR, MI 48105 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $966 | $966 | 2.02% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | SUN LIFE AND HEALTH INSURANCE COMPANY | $53 | — | $53 | 9.71% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | SUN LIFE AND HEALTH INSURANCE COMPANY | $18 | — | $18 | 3.30% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGHT DR SUITE J4100 ANN ARBOR, MI 48105 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $10 | $10 | 1.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $95K |
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Claims processing; Direct payment from the plan; Float revenue; Other fees Service code 12 | — | $43K |
| HYLANT GROUP INC EIN 34-1880366 BROKER | Other commissions Service code 55 | 811 MADISON AVE TOLEDO, OH 43604 | $14K |
| INNOVATIVE BENEFIT PLANNING EIN 52-2072161 BROKER | Other commissions Service code 55 | 101 A FOSTER RD MOORESTOWN, NJ 08057 | $12K |
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 | 1,661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD HEALTHPLAN OF GEORGIA, INC. | 1,661 | $15.0M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHPLAN OF GEORGIA, INC. | 1,317 | $13.6M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHPLAN OF GEORGIA, INC. | 1,317 | $13.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,661 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,661 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,661 | $1.1M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,661 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,661 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.