| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 5.01% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 12.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CREATIVE BENEFITS, INC. CONTRACT ADMIN | Claims processing Service code 12 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19380 | $169K |
| COMPSYCH EIN 35-3739783 CONTRACT ADMIN | Claims processing Service code 12 | — | $5K |
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 | 859 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 354 | $3.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 572 | $51K |
| Vision | EYEMED VISION CARE | 885 | $71K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 783 | $467K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 783 | $467K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 783 | $467K |
| Prescription drug(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 354 | $3.5M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 783 | $875K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.