| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.77% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | GUARDIAN | $260 | $839 | $1K | 7.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $170K |
| O'NEILL CONSULTING CORP EIN 23-1719817 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 487 DEVON PARK DRIVE, SUITE 206 WAYNE, PA 19087 | $26K |
| CHARLES JOHNSTON PC EIN 23-2077724 NONE | Legal; Direct payment from the plan Service code 29 | 101 ERFORD ROAD, SUITE 302 CAMP HILL, PA 17001 | $23K |
| BENECARD EIN 22-2998772 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | $14K |
| ALAN ROSS & COMPANY PC EIN 20-5367494 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 10 HEARTHSTONE COURT READING, PA 19606 | $9K |
| BEYER BARBER COMPANY EIN 23-1631375 NONE | Actuarial; Direct payment from the plan; Other services Service code 11 | 1136 HAMILTON STREET ALLENTOWN, PA 18101 | $6K |
| BERKSHIRE ASSET MANAGMENT NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 46 PUBLIC SQUARE SUITE 700 WILKES-BARRE, PA 18701 | $6K |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 306 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 331 | $31K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 227 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.