| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $183K | $183K | 2.87% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | HUMANA HEALTH PLAN | $59K | — | $59K | 4.73% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 5.77% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | KAISER FOUNDATION HEALTH PLAN | $19K | $1K | $20K | 5.36% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $903 | $12K | 21.60% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.96% |
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 | 825 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 430 | $8.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 625 | $464K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 625 | $478K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 825 | $151K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 825 | $122K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 430 | $7.6M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 825 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 825 | — |
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.