| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 9.56% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 9.57% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 9.57% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | — | DELTA DENTAL OF CALIFORNIA | $12K | $0 | $12K | 25.07% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FASTER RD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.91% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 9.51% |
| AIMIE ELLEN SHERIFF3 | 9588 TEXOMA PARK RD KINGSTON, OK 73439 | AFLAC | $367 | $30 | $397 | 4.15% |
| RICHARD ALAN SELIGSON3 | PO BOX 970922 BOCA RATON, FL 33497 | AFLAC | $362 | $0 | $362 | 3.79% |
| DENNIS FENNELL3 Filed as: DENNIS FERNANDO NIEVES LOPEZ | 1500 NE 136TH ST APT 2 NORTH MIAMI, FL 33161 | AFLAC | $148 | $0 | $148 | 1.55% |
| RUMIL CORPORATION3 Filed as: RUMIL COPPORATION | 8888 NW 2ND ST CORAL SPRINGS, FL 33071 | AFLAC | $111 | $32 | $143 | 1.50% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 FOSTER RD MOORESTOWN, NJ 08057 | AFLAC | $85 | $0 | $85 | 0.89% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 N ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $65 | $0 | $65 | 0.68% |
| ROLANDO DARIO RICCIO3 | 101 W CAMINO REAL APT 713 BOCA RATON, FL 33432 | AFLAC | $64 | $0 | $64 | 0.67% |
| MICHAEL K PORTER3 Filed as: MICHAEL K. PORTER | 4000 HOLLYWOOD BLVD STE 555S HOLLYWOOD, FL 33021 | AFLAC | $57 | $0 | $57 | 0.60% |
| KEVIN S. RIBERA3 Filed as: KEVIN S RIBERA | PO BOX 502 BOKCHITO, OK 74726 | AFLAC | $55 | $0 | $55 | 0.58% |
| MICHAEL HENSH3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $41 | $0 | $41 | 0.43% |
| L A D FINANCIAL CORP3 | 13855 EMERSON ST APT 204 PALM GARDENS, FL 33418 | AFLAC | $20 | $0 | $20 | 0.21% |
| JOSHUA WORTHY3 | 3700 N CLASSEN BLVD STE 220 OKLAHOMA CITY, OK 73118 | AFLAC | $19 | $0 | $19 | 0.20% |
| CHRIS GUZEWICH3 Filed as: CHRIS DAVID PAOLONE | 119 PELHAM RD S VOORHEES, NJ 08043 | AFLAC | $19 | $0 | $19 | 0.20% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD STE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $17 | $0 | $17 | 0.18% |
| JOHN T CAPOZZI3 Filed as: JOHN CAPOZZZI | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $13 | $0 | $13 | 0.14% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVE INTERLAKEN, NJ 07713 | AFLAC | $13 | $0 | $13 | 0.14% |
| DELRICO BROUGHTON3 | 4843 NW 57TH CT TARMAC, FL 33319 | AFLAC | $9 | $0 | $9 | 0.09% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $7 | $0 | $7 | 0.07% |
| JIM COHEN3 | 100 SW 101ST TER PLANTATION, FL 33324 | AFLAC | $2 | $0 | $2 | 0.02% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | — | DELTA DENTAL OF CALIFORNIA | $209 | $0 | $209 | 18.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING EIN 52-2072161 BROKER | Insurance agents and brokers Service code 22 | — | $49K |
| MERITAIN EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $46K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $8K |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 240 | $50K |
| Vision | VISION SERVICE PLAN | 154 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $177K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $108K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $58K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 121 | $377K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.