| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | — | HIGHMARK INC. | $25K | — | $25K | 0.90% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | HIGHMARK INC. | $18K | — | $18K | 0.65% |
| NOVALIYZE CONSULTING LLC3 | — | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 5.74% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | DELTA DENTAL OF PENNSYLVANIA | $5K | — | $5K | 4.26% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 41 SULLIVAN STREET FORTY FORT, PA 18704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.88% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTON SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.05% |
| CREATIVE BENEFITS, INC.3 | 31 N. GATES AVENUE KINGSTON, PA 18704 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 10.00% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 41 SULLIVAN STREET FORTY FORT, PA 18704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.08% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.89% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $507 | $190 | $697 | 13.32% |
| NOVALYZE CONSULTING3 | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | — | $278 | 5.31% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LN BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $9 | $229 | 4.38% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $9 | $121 | 2.31% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK RD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 1.03% |
| ALEXANDER OTTONIEL CANAS3 | 26123 BOUQUET CANYON RD SANTA CLARITA, CA 91350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $1 | $31 | 0.59% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $2 | $17 | 0.32% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $3 | $13 | 0.25% |
| CASEY H EBBERT3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.23% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 0.13% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $3 | $4 | 0.08% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $147 | $15 | $162 | 6.94% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $90 | $4 | $94 | 4.03% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK RD MANHEIM, PA 17545 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.77% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LN BATTLE CREEK, MI 49015 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.47% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.39% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 136 | $2.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 238 | $114K |
| Vision | VISION BENEFITS OF AMERICA | 208 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $91K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $8K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $72K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.