| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AETNA LIFE INSURANCE CO | $62K | — | $62K | 4.10% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $3K | $15K | 12.51% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | DELTA DENTAL INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $11K | 12.86% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 13.28% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $2K | — | $2K | 9.02% |
| DENNIS FENNELL3 Filed as: DENNIS FERNANDO NIEVES LOPEZ | 1500 NE 136TH ST APT 2 NORTH MIAMI, FL 33161 | AFLAC | $338 | $365 | $703 | 5.32% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 N ANDEREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $113 | $342 | $455 | 3.44% |
| MICHAEL HENSH3 | 900 LIBERTLY PL SICKLERVILLE, NJ 08081 | AFLAC | $118 | $50 | $168 | 1.27% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $50 | $50 | $100 | 0.76% |
| LAD FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $39 | $35 | $74 | 0.56% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $975 | $227 | $1K | 12.33% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | DELTA DENTAL INSURANCE COMPANY | $219 | — | $219 | 10.02% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 287 | $1.5M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 266 | $118K |
| Vision | VISION SERVICE PLAN | 113 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $120K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $39K |
| Prescription drug | AETNA LIFE INSURANCE CO | 287 | $1.5M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.