| 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 | HM INSURANCE GROUP | $67K | — | $67K | 19.42% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | GUARDIAN | $4K | $1K | $5K | 27.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $105K |
| LAWRENCE C MUSGROVE ASSOCIATES EIN 54-0759756 NONE | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 13487 ROANOKE, VA 24034 | $30K |
| 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 |
| ALAN ROSS & COMPANY PC EIN 20-5367494 NONE | Direct payment from the plan Service code 50 | 10 HEARTHSTONE COURT READING, PA 19606 | $10K |
| BENECARD EIN 22-2998772 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | $7K |
| BERKSHIRE ASSET MANAGMENT NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 46 PUBLIC SQUARE SUITE 700 WILKES-BARRE, PA 18701 | $7K |
| BEYER BARBER COMPANY EIN 23-1631375 NONE | Other services; Actuarial; Direct payment from the plan Service code 11 | 1136 HAMILTON STREET ALLENTOWN, PA 18101 | $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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 103 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 296 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 284 | $30K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 234 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.