| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $9K | — | $9K | 1.15% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | AEGIS SECURITY INSURANCE COMPANY | $8K | — | $8K | 12.10% |
| CONSOLIDTAED BENEFITS, INC.3 | 2500 ELMERTON AVENUE HARRISBURG, PA 17110 | AEGIS SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.19% |
| AEGIS GENERAL INSURANCE AGENCY3 Filed as: AEGIS GENERAL INSURANCE COMPANY | 4507 NORTH FRONT STREET SUITE 200 HARRISBURG, PA 17110 | AEGIS SECURITY INSURANCE COMPANY | $3K | — | $3K | 3.75% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.55% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.32% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 92 | $811K |
| Dental | UNION SECURITY INSURANCE COMPANY | 100 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $24K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $24K |
| Other(2 contracts, 2 carriers) | AEGIS SECURITY INSURANCE COMPANY | 181 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.