| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | HEALTH OPTIONS, INC | $60K | $0 | $60K | 4.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | BLUE CROSS BLUE SHIELD OF FLORIDA | $5K | $0 | $5K | 4.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | DELTA DENTAL INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $683 | $9K | 10.80% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $461 | $7K | 10.69% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $217 | $3K | 10.73% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD INNOVATIVE BENEFIT PLANNING MOORESTOWN, NJ 08057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.65% |
| KESIA CHANG3 | 1050 BISHOP ST STE 321 HONOLULU, HI 96813 | CONTINENTAL AMERICAN INSURANCE COMPANY | $313 | $0 | $313 | 1.09% |
| CORA JOURNEY3 Filed as: CORA I JOURNEY | 7563 NW 70TH AVE PARKLAND, FL 33067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $170 | $0 | $170 | 0.59% |
| DAVID J MCCLELLAN3 Filed as: DAVID R SACK | 501 FAIRNEST CT DOVER, DE 19904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | $0 | $168 | 0.59% |
| DE VITA B MCKENZIE3 Filed as: DE-VITA B MCKENZIE | 289 S BURTON AVE SAN GARBRIEL, CA 91776 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | $0 | $92 | 0.32% |
| MAGDALY SANTOS3 | 642 BRADFORD DR VINELAND, NJ 08360 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.14% |
| DORA BOSTICK3 Filed as: DORA I BOSTICK | 1325 MOUNT HERMON RD SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.09% |
| JANE G GALEY3 | 4134 FLORIDA AVE STE 100 KENNER, LA 70065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.08% |
| SHEM J BOSTICK3 | 1325 MT. HERMON RD #73B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.06% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON SACK | 501 FAIRNEST COURT DOVER, DE 19904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
| EDWARD L MARTINA JR3 | 4134 FLORIDA AVENUE SUITE 100 KENNER, LA 70065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| SCOTT C MARTINA3 | 4134 FLORIDA AVE SUITE 100 KENNER, LA 70065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| MARY C HALQUIST3 Filed as: MARY H MUNOZ-PHILLIPS | 116 GARDEN DRIVE FRIENDSWOOD, TX 77546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| MARIA C ORTIZ3 | 7400 SW 50 TR #300 MIAMI, FL 33155 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| VALERIE MARQUEZ BLANCO3 Filed as: VALERIE M BLANCO | 12110 SW 105 TERRACE MIAMI, FL 33186 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| HOWARD K BOWEN3 | 3616 SAND ROAD SNOW HILL, MD 21863 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.98% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $699 | $47 | $746 | 10.67% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | DELTA DENTAL INSURANCE COMPANY | $380 | $0 | $380 | 9.99% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 138 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 120 | $103K |
| Vision | VISION SERVICE PLAN | 105 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $85K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $95K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $30K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 138 | $1.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.