| 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 | $52K | — | $52K | 2.96% |
| 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 | $6K | $11K | 6.76% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.28% |
| MAZZMAR LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22 | — | $22 | 0.01% |
| 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 | — | $3K | 5.78% |
| CAROLYN GRAHAM MCLAUGHLIN3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $478 | — | $478 | 0.81% |
| 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 | $2K | — | $2K | 5.82% |
| CAROLYN GRAHAM MCLAUGHLIN3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $221 | — | $221 | 0.69% |
| 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 | $2K | — | $2K | 5.69% |
| CAROLYN GRAHAM MCLAUGHLIN3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $260 | — | $260 | 0.81% |
| 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 | $2K | — | $2K | 5.69% |
| CAROLYN GRAHAM MCLAUGHLIN3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $238 | — | $238 | 0.81% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | 31 NORTH GATES AVENUE KINGSTON, PA 18704 | VISION BENEFITS OF AMERICA | $972 | — | $972 | 5.22% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS | — | TELADOC | $1K | — | $1K | 15.00% |
| 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 | $321 | — | $321 | 5.84% |
| CAROLYN GRAHAM MCLAUGHLIN3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38 | — | $38 | 0.69% |
| 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 | $309 | — | $309 | 5.70% |
| CAROLYN GRAHAM MCLAUGHLIN3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44 | — | $44 | 0.81% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 119 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $159K |
| Vision | VISION BENEFITS OF AMERICA | 118 | $19K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $64K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 130 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $29K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 119 | $1.8M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.