| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | $23K | $644 | $23K | 4.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | $43K | $1K | $44K | 8.61% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $343 | $12K | 15.44% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 19.14% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | MICHAEL STEPNOWSKI P. O. BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $362 | $4K | 12.24% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.09% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQAURE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $95 | $3K | 15.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | INDEPENDNCE BLUE CROSS | $921 | $1K | $2K | 16.91% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | MICHAEL STEPNOWSKI P. O. BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $206 | $2K | 24.20% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.18% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116 | $5 | $121 | 10.40% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENCE BLUE CROSS | 58 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $46K |
| Vision | INDEPENDNCE BLUE CROSS | 105 | $14K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $8K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $78K |
| Prescription drug(2 contracts) | INDEPENDENCE BLUE CROSS | 58 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $1K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.