| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $31K | $32K | 4.07% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GRL AGENCY | 400 BERWYN PARK BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 6.26% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DR #202 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | — | $94 | $94 | 0.23% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE, SUITE 190 NEWTON SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $253 | $4K | 16.01% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE, SUITE 190 NEWTON SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $183 | $3K | 16.09% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE, SUITE 190 NEWTON SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $74 | $1K | 17.97% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 31 N. GATES AVENUE KINGSTON, PA 18704 | VISIONS BENEFITS OF AMERICA | $560 | — | $560 | 10.01% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE, SUITE 190 NEWTON SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $53 | $53 | 1.00% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 102 | $781K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 113 | $41K |
| Vision | VISIONS BENEFITS OF AMERICA | 84 | $6K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $8K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.