| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $108K | $548 | $108K | 5.33% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 4.55% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.66% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $6K | 12.40% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $888 | $5K | 12.41% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $876 | $4K | 12.44% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $813 | $4K | 12.42% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 5.10% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $657 | $159 | $816 | 12.42% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $608 | $148 | $756 | 12.43% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 132 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $173K |
| Vision | VISION BENEFITS OF AMERICA | 130 | $20K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $73K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $34K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 132 | $2.0M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.