| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTON SQUARE, PA 19073 | DOMINION NATIONAL | $7K | — | $7K | 5.03% |
| THE FOLEY INSURANCE AGENCY DBA CAPS3 | 1120 WELSH ROAD SUITE 220 NORTH WALES, PA 19454 | DOMINION NATIONAL | $7K | — | $7K | 4.85% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 11.53% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $766 | $9K | 16.46% |
| THE FOLEY INSURANCE AGENCY, INC.3 Filed as: THE FOLEY INSURANCE AGENCY | 1120 WELSH ROAD SUITE 220 NORTH WALES, PA 19454 | VISION SERVICE PLAN | $748 | — | $748 | 3.04% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTON SQUARE, PA 19073 | VISION SERVICE PLAN | $498 | — | $498 | 2.02% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 263 | $137K |
| Vision | VISION SERVICE PLAN | 251 | $25K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $148K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $96K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $96K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.