| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | $68K | $3K | $71K | 4.44% |
| 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 | $4K | $5K | $9K | 7.00% |
| MAZZMAR LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.00% |
| 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 | $385 | $871 | $1K | 32.66% |
| 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 | $211 | $464 | $675 | 31.99% |
| 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 | $193 | $436 | $629 | 32.56% |
| 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 | $47 | $366 | $413 | 23.43% |
| 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 | $36 | $80 | $116 | 32.40% |
| 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 | $29 | $63 | $92 | 31.94% |
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 |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 110 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $131K |
| Vision | INDEPENDENCE BLUE CROSS | 110 | $1.6M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $4K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $4K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $2K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 110 | $1.6M |
| Other(4 contracts, 2 carriers) | TELADOC | 122 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.