| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINCOLN BENEFITS GROUP INSURANCE3 | 1300 VIRGINIA DRIVE SUITE 310 FORT WASHINGTON, PA 19034 | AETNA LIFE INSURANCE COMPANY | $53K | -$427 | $52K | 3.24% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | AETNA LIFE INSURANCE COMPANY | $20K | — | $20K | 1.22% |
| LINCOLN BENEFITS GROUP INSURANCE3 | 1300 VIRGINIA DRIVE SUITE 310 FORT WASHINGTON, PA 19034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.77% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $698 | — | $698 | 2.72% |
| LINCOLN BENEFITS GROUP INSURANCE3 | 1300 VIRGINIA DRIIVE SUITE 310 FORT WASHINGTON, PA 19034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.15% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $703 | — | $703 | 2.79% |
| LINCLON BENEFITS GROUP INSURANCE3 | 1300 VIRGINIA DRIVE SUITE 310 FORT WASHINGTON, PA 19034 | VISION BENEFITS OF AMERICA | $320 | — | $320 | 3.23% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | VISION BENEFITS OF AMERICA | $176 | — | $176 | 1.78% |
| LINCOLN BENEFITS GROUP INSURANCE3 | 1300 VIRGINIA AVENUE SUITE 310 FORT WASHIBGTON, PA 19034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $498 | — | $498 | 10.80% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $194 | — | $194 | 4.21% |
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 | 257 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 252 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 252 | $1.6M |
| Vision | VISION BENEFITS OF AMERICA | 147 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $26K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 257 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.