| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- NORTHEA | PO BOX 62939 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 10.73% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- NORTHEA | 180 PARK AVE SUITE 102 FLORHAM PARK, NJ 07932 | DELTA DENTAL | $872 | $0 | $872 | 3.27% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | DELTA DENTAL | $0 | $0 | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- NORTHEA | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $582 | $0 | $582 | 13.37% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $2 | $0 | $2 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- NORTHEA | PO BOX 62939 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $381 | $0 | $381 | 9.64% |
| INNOVATIVE BENEFIT PLANNING, LLC2 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
| THELMA JEAN CITTA3 | PO BOX 4353 CHERRY HILL, NJ 08034 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $122 | $0 | $122 | 7.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- NORTHEA | PO BOX 62939 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33 | $0 | $33 | 5.34% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING LLC | 101A FOSTER RD MOORESTOWN, NJ 08057 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $0 | $0 | 0.00% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 96 | $27K |
| Vision | VISION SERVICE PLAN | 79 | $4K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $34K |
| Short-term disability(3 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $38K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $34K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.