| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS | 3809 WEST CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $4K | 9.28% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP LLC | 1767 SENTRY PKWY WEST BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | — | $16 | 0.04% |
| MAZZMAR LLC3 | 1767 SENTRY PKWY WEST BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGAL CONSULTING EIN 46-0619194 NONE | Consulting (general) Service code 16 | — | $45K |
| FABIAN & BYRN LLC EIN 25-1914887 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $39K |
| PACKER THOMAS EIN 34-1667340 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $17K |
| MEYER, UNKOVIC & SCOTT LLP EIN 25-4008021 NONE | Legal; Direct payment from the plan Service code 29 | — | $14K |
| CALIBRE CPA GROUP NONE | Accounting (including auditing) Service code 10 | 7501 WISCONSIN AVE BETHESDA, MD 20814 | $5K |
| BOLTON PARTNERS INVESTMENT CONSULTI EIN 52-1871508 NONE | Consulting (general) Service code 16 | — | $5K |
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 | 79 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 77 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 70 | $40K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 71 | $6K |
| Life insurance | THE UNION LABOR LIFE INSURANCE CO | 87 | $19K |
| Other | THE UNION LABOR LIFE INSURANCE CO | 87 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.