| 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 | GEISINGER QUALITY OPTIONS, INC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEGAL CONSULTING NONE | Actuarial; Direct payment from the plan Service code 11 | 500 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | $53K |
| MEYER UNKOVIC & SCOTT LLP NONE | Legal; Direct payment from the plan Service code 29 | 535 SMITHFIELD ST. STE 1300 PITTSBURGH, PA 15222 | $47K |
| PATH ADMINISTRATORS EIN 46-1226464 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 3461 MARKET STREET, SUITE 102 CAMP HILL, PA 17011 | $25K |
| ANDCO EIN 59-3676225 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 531 WEST MORSE BLVD WINTER PARK, FL 32789 | $21K |
| CALIBRE CPA GROUP, PLLC NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 7501 WISCONSION AVE BETHESDA, MD 20814 | $18K |
| KANG HAGGERTY & FETBROYT LLC NONE | Legal; Direct payment from the plan Service code 29 | 123 S BROAD ST. STE 1670 PHILIADELPHIA, PA 19109 | $9K |
| STUYVESANT CAPITAL MANAGEMENT CORP EIN 13-2953844 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | 200 BUSINESS PARK DRIVE STE 300 ARMONK, NY 10504 | $8K |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER QUALITY OPTIONS, INC | 615 | $3.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 266 | $151K |
| Vision | VISION BENEFITS OF AMERICA | 262 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.