| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONESOURCE BENEFIT SOLUTIONS3 | 395 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | GEISINGER QUALITY OPTIONS, INC. | $14K | — | $14K | 2.00% |
| ONESOURCE BENEFIT SOLUTIONS3 Filed as: ONESOURCE BENEFITS SOLUTIONS, INC. | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.42% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.19% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $313 | — | $313 | 0.94% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $751 | — | $751 | 9.31% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 0.69% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $683 | — | $683 | 9.16% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | — | $62 | 0.83% |
| ONESOURCE BENEFIT SOLUTIONS3 | 755 OAK HILL ROAD MOUNTAIN TOP, PA 18707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $398 | — | $398 | 13.76% |
| CRFEATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 1.24% |
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) | GEISINGER QUALITY OPTIONS, INC. | 114 | $682K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 136 | $59K |
| Vision | DAVIS VISION | 104 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $8K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 53 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 53 | $33K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.