| 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 | — | — | $0 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELOPHIA, PA 19106 | INDEPENDENCE BLUE CROSS - KEYSTONE | — | — | $0 | 0.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 13.61% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $561 | $6K | 13.02% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 Filed as: ROTH VOLUNTARY BENEFITS SERVICES | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 10.70% |
| FULVIO A. ACOSTA3 Filed as: FULVIO A ACOSTA | 15017 WORTHINGTON ROAD PHILADELPHIA, PA 19116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 10.17% |
| GENEVA HODGE3 | 19950 LAKE PARK DRIVE GERMANTOWN, MD 20874 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.49% |
| SCOTT WAYNE HARMON3 | 4217 MATTHEWS LANE KENSINGTON, MD 20895 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $321 | $35 | $356 | 0.75% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $294 | $56 | $350 | 0.74% |
| SHANE THOMAS WILLIAMS3 | 149 E MORELAND AVENUE HATBORO, PA 19040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $279 | — | $279 | 0.59% |
| EDWARD J WILLIAMS3 | PO BOX 1716 MEDIA, PA 19063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $279 | — | $279 | 0.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | — | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 13.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | — | — | $0 | 0.00% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | EQUITABLE LIFE INSURANCE COMPANY OF AMERICA | $471 | — | $471 | 15.39% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 74 | $631K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 72 | $36K |
| Vision | INDEPENDENCE BLUE CROSS | 23 | $4K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 132 | $51K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 74 | $47K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 28 | $367K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 74 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.