| 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 | GEISINGER QUALITY OPTIONS | $43K | — | $43K | 3.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC ELLIS PRESERV | 3809 WEST CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | HARTFORD LIFE AND ACCIDENT INSURANCE CO | $2K | — | $2K | 1.39% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | GUARDIAN | $3K | $1K | $4K | 9.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAWRENCE C MUSGROVE ASSOCIATES EIN 54-0759756 NONE | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 13487 ROANOKE, VA 24034 | $50K |
| ALAN ROSS & COMPANY, PC EIN 20-5367494 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 10 HEARTHSTONE COURT, SUITE 100 READING, PA 19606 | $16K |
| CHARLES W JOHNSTON, PC EIN 23-2077724 NONE | Legal Service code 29 | 101 ERFORD ROAD, SUITE 302 CAMP HILL, PA 17001 | $9K |
| CAPFINANCIAL PARTNERS, LLC EIN 26-0058413 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | 600 HAMILTON ST, STE 900 ALLENTOWN, PA 181012119 | $5K |
| CHARLES SCHWAB & COMPANY, INC EIN 94-1737782 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 211 MAIN STREET SAN FRANCISCO, CA 94105 | $50 |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 278 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER QUALITY OPTIONS | 206 | $1.4M |
| Dental | GUARDIAN | 124 | $40K |
| Vision | HIGHMARK, INC. | 202 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE CO | 417 | $131K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE CO | 417 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.