| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | A MARSH AND MCLENNAN AGENCY LLC 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | INDEPENDENCE BLUE CROSS | $138K | $4K | $142K | 6.02% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.44% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKESUITE 190 SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY | $9K | $282 | $9K | 15.49% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | $678 | $2K | $3K | 27.51% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 177 | $2.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 177 | $106K |
| Vision | INDEPENDENCE BLUE CROSS | 177 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 299 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 54 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 54 | $58K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 177 | $2.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 299 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.