| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNA LP | THE CURTIS CENTER PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | $59K | $7K | $66K | 6.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF PENNA LP | THE CURTIS CENTER PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS - KEYSTONE PLAN | $25K | $3K | $28K | 5.21% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | DELTA DENTAL | $5K | — | $5K | 6.00% |
| CRETIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.20% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.76% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | VISION BENEFITS OF AMERICA | $530 | — | $530 | 5.00% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $969 | — | $969 | 14.99% |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 150 | $1.5M |
| Dental | DELTA DENTAL | 223 | $76K |
| Vision | VISION BENEFITS OF AMERICA | 163 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 270 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 270 | $38K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 270 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.