| 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 | UNITED OF OMAHA LIFE 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 | $6K | 25.94% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | STANDARD INSURANCE COMPANY | $935 | — | $935 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 120 FIFTH AVENUE PITTSBURGH, PA 15222 | $195K |
| BENECARD EIN 22-2998772 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | $36K |
| LAWRENCE C MUSGROVE ASSOCIATES EIN 54-0759756 NONE | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 1769 SALEM, VA 24153 | $30K |
| GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 NONE | Claims processing; Direct payment from the plan Service code 12 | 10 HUDSON YARDS NEW YORK, NY 10001 | $20K |
| ALAN ROSS & COMPANY PC EIN 20-5367494 NONE | Direct payment from the plan Service code 50 | 10 HEARTHSTONE COURT READING, PA 19606 | $10K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal; Direct payment from the plan Service code 29 | 501 WISCONSIN AVE, NW WASHINGTON, DC 20015 | $8K |
| FOSTER & FOSTER EIN 23-1631375 NONE | Direct payment from the plan; Other services; Actuarial Service code 11 | 1136 HAMILTON STREET ALLENTOWN, PA 18101 | $6K |
| BERKSHIRE ASSET MANAGMENT NONE | Direct payment from the plan; Investment advisory (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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 102 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 309 | $21K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 309 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.