| 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 | $16K | $0 | $16K | 10.00% |
| 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 | 10.01% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
| AIMIE ELLEN SHERIFF3 | 9588 TEXOMA PARK RD KINGSTON, OK 73439 | AFLAC | $317 | $0 | $317 | 3.20% |
| RUMIL CORPORATION3 Filed as: RUMIL COPPORATION | 8888 NW 2ND ST CORAL SPRINGS, FL 33071 | AFLAC | $204 | $0 | $204 | 2.06% |
| DENNIS FENNELL3 Filed as: DENNIS FERNANDO NIEVES LOPEZ | 1500 NE 136TH ST APT 2 NORTH MIAMI, FL 33161 | AFLAC | $169 | $0 | $169 | 1.71% |
| SHERILL ASHLEY HERNANDEZ3 | 6750 N ANDREWS AVE STE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $90 | $0 | $90 | 0.91% |
| MICHAEL HENSH3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $61 | $0 | $61 | 0.62% |
| KEVIN S. RIBERA3 Filed as: KEVIN S RIBERA | PO BOX 502 BOKCHITO, OK 74726 | AFLAC | $50 | $0 | $50 | 0.50% |
| L A D FINANCIAL CORP3 | 13308 ALTON RD PALM BEACH GARDENS, FL 33418 | AFLAC | $37 | $0 | $37 | 0.37% |
| JOSHUA WORTHY3 | 3700 N CLASSEN BLVD STE 220 OKLAHOMA CITY, OK 73118 | AFLAC | $31 | $0 | $31 | 0.31% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD STE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $27 | $0 | $27 | 0.27% |
| JOHN T CAPOZZI3 Filed as: JOHN CAPOZZZI | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $22 | $0 | $22 | 0.22% |
| INNOVATIVE BENEFIT PLANNING, LLC4 | 101A FOSTER RD MOORESTOWN, NJ 08057 | LEGAL SHIELD | $978 | $0 | $978 | 13.23% |
| JILLETTA RILEY4 | 16 STERN PL FORDS, NJ 08863 | LEGAL SHIELD | $354 | $0 | $354 | 4.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING EIN 52-2072161 BROKER | Insurance agents and brokers Service code 22 | — | $75K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $36K |
| MERITAIN EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $17K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $12K |
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 | 239 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 195 | $154K |
| Vision | VISION SERVICE PLAN | 147 | $25K |
| Short-term disability | NEW YORK LIFE | 0 | $105K |
| Long-term disability | NEW YORK LIFE | 0 | $54K |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH | 181 | $481K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 36 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
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.