| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL OF PENNSYLVANIA | $18K | $0 | $18K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $354 | $12K | 10.32% |
| 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 | $0 | $2K | $2K | 1.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE FLOOR 21 NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $347 | $11K | 10.31% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $260 | $9K | 9.92% |
| 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 | $0 | $1K | $1K | 1.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $190 | $6K | 10.31% |
| 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 | $0 | $925 | $925 | 1.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE 20TH FLOOR NEW YORK, NY 10173 | EYEMED VISION CARE | $1K | $0 | $1K | 6.06% |
| NFO CORPORATE SERVICES NY, LLC3 Filed as: NFO CORPORATE SERVICES NY | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $56 | $2K | 10.31% |
| 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 | $0 | $274 | $274 | 1.55% |
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 | 634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,064 | $353K |
| Vision | EYEMED VISION CARE | 1,091 | $19K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 634 | $203K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 634 | $112K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 634 | $62K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 634 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,091 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.