| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $3K | $14K | 12.35% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE, SUITE 190 ELLIS PRESERVE NEWTOWN SQUARE, PA 19073 | SUNLIFE FINANCIAL | $3K | $0 | $3K | 5.13% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE, SUITE 100 NEWTOWN SQUARE, PA 19073 | SUNLIFE FINANCIAL | $0 | $648 | $648 | 1.13% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTONE SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 10.95% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEABORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $288 | $2K | 6.09% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BELLFIELD COURT HOCKESSIN, DE 19707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $624 | $0 | $624 | 1.55% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $20 | $459 | 1.14% |
| FULVIO A. ACOSTA3 Filed as: FULVIO A ACOSTA | 15017 WOTHINGTON ROAD PHILADELPHIA, PA 19116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | $35 | $329 | 0.82% |
| LISA A PERRI AND OTHER AGENTS3 | 775 ROUTE 70 EAST, SUITE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $30 | $169 | 0.42% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST, SUITE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $20 | $120 | 0.30% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PARK, SUITE 190 NEWTOWN SQUARE, PA 19073 | VISION BENEFITS OF AMERICA | $378 | $0 | $378 | — |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUNLIFE FINANCIAL | 84 | $57K |
| Vision | VISION BENEFITS OF AMERICA | 77 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $113K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $113K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $113K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.