| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | AETNA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.29% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | DELTA DENTAL | $15K | $0 | $15K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | NEW YORK LIFE | $11K | $0 | $11K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | NEW YORK LIFE | $5K | $0 | $5K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FASTER RD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $3K | $0 | $3K | 11.30% |
| DENNIS NIEVES LOPEZ3 | 1500 NE 136TH ST APT 2 NORTH MIAMI, FL 33161 | AFLAC | $207 | $0 | $207 | 2.03% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 N ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $93 | $0 | $93 | 0.91% |
| MICHAEL HENSH3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $86 | $0 | $86 | 0.85% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $34 | $0 | $34 | 0.33% |
| JOHN T CAPOZZI3 Filed as: JOHN CAPOZZZI | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $34 | $0 | $34 | 0.33% |
| INNOVATIVE BENEFIT PLANNING, LLC4 | 101A FOSTER RD MOORESTOWN, NJ 08057 | LEGAL SHIELD | $1K | $0 | $1K | 21.79% |
| JILLETTA RILEY4 | 16 STERN PL FORDS, NJ 08863 | LEGAL SHIELD | $452 | $0 | $452 | 7.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 PROVIDER | Claims processing Service code 12 | — | $75K |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 374 | $1.8M |
| Dental | DELTA DENTAL | 194 | $147K |
| Vision | VISION SERVICE PLAN | 140 | $23K |
| Short-term disability | NEW YORK LIFE | 1 | $114K |
| Long-term disability | NEW YORK LIFE | 1 | $53K |
| Other(2 contracts, 2 carriers) | AFLAC | 34 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.