| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | UNION SECURITY INSURANCE COMPANY | $8K | $0 | $8K | 7.86% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 1240 BROADCASTING ROAD PO BOX 6707 WYOMISSING, PA 19610 | DOMINION DENTAL SERVICES, INC | $7K | $0 | $7K | 7.32% |
| THE FOLEY INSURANCE AGENCY, INC.3 Filed as: THE FOLEY INSURANCE AGENCY | 1120 WELSH RD STE 220 NORTH WALES, PA 19454 | DOMINION DENTAL SERVICES, INC | $4K | $0 | $4K | 3.67% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | UNION SECURITY INSURANCE COMPANY | $28K | $0 | $28K | 37.78% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC | 90 MAIN STREET BATAVIA, NY 140202109 | VISION SERVICE PLAN | $779 | $0 | $779 | 3.60% |
| THE FOLEY INSURANCE AGENCY, INC.3 Filed as: THE FOLEY INSURANCE AGENCY | 1120 WELSH RD STE 220 NORTH WALES, PA 194543794 | VISION SERVICE PLAN | $376 | $0 | $376 | 1.74% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION DENTAL SERVICES, INC | 205 | $97K |
| Vision | VISION SERVICE PLAN | 194 | $22K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 244 | $180K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 244 | $104K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 244 | $104K |
| Other(2 contracts) | UNION SECURITY INSURANCE COMPANY | 244 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.