| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVERSAL EMPLOYEE BENEFITS SOLUTIO3 Filed as: UNIVERSAL EMPLOYEE BENEFITS | 1000 DUNHAM DR SCRANTON, PA 18512 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.10% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 W CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $788 | $5K | 11.89% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 W CHESTER PIKE STE 190 NEWTON SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $505 | $4K | 17.01% |
| UNIVERSAL EMPLOYEE BENEFITS SOLUTIO3 | 1000 DUNHAM DR DUNMORE, PA 18512 | VISION BENEFITS OF AMERICA | $721 | $0 | $721 | 5.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 W CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $272 | $2K | 11.89% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 W CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $561 | $106 | $667 | 11.90% |
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. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $78K |
| Vision | VISION BENEFITS OF AMERICA | 97 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $6K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.