| 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 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.52% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $12K | 11.70% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101 A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $2K | — | $2K | 10.32% |
| SHERILL ASHLEY HERNANDEZ3 | — | AFLAC | $178 | $3K | $3K | 26.10% |
| DENNIS FENNELL3 Filed as: DENNIS FERNANDO NIEVES LOPEZ | — | AFLAC | $645 | — | $645 | 5.56% |
| MICHAEL HENSH3 | — | AFLAC | $117 | — | $117 | 1.01% |
| LAD FINANCIAL CORP3 | — | AFLAC | $84 | — | $84 | 0.72% |
| JOHN T CAPOZZI3 | — | AFLAC | $47 | — | $47 | 0.40% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 259 | $1.4M |
| Dental(2 contracts) | DELTA DENTAL | 237 | $105K |
| Vision | VISION SERVICE PLAN | 100 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $106K |
| Other | AFLAC | 17 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.