| 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 HEALTH PALN | $26K | — | $26K | 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 | $1K | — | $1K | 1.61% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | GUARDIAN | $2K | $1K | $3K | 12.05% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | NATIONAL VISION ADMINISTRATORS LLC | $603 | — | $603 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAWRENCE C MUSGROVE ASSOCIATES EIN 54-0759756 NONE | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 1769 SALEM, VA 24153 | $51K |
| 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 |
| ODONOGHUE & ODONOGHUE EIN 23-2077724 NONE | Legal; Direct payment from the plan Service code 29 | 325 CHESTNUT STREET, STE 515 PHILADELPHIA, PA 19106 | $7K |
| RAE CONSULTING EIN 23-2817579 NONE | Actuarial; Direct payment from the plan Service code 11 | 601 DRESHER ROAD, STE 201 HORSHAM, PA 19044 | $6K |
| CAPTRUST FINANICAL ADVISORS EIN 26-0058413 NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | 4208 SIX FORKS ROAD, STE 1700 RALEIGH, NC 27609 | $6K |
| CHARLES SCHWAB & COMPANY, INC EIN 94-1737782 NONE | Securities brokerage commissions and fees; Custodial (securities) Service code 19 | 211 MAIN STREET SAN FRANCISCO, CA 94105 | $0 |
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 | 74 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 228 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GEISINGER HEALTH PALN | 124 | $880K |
| Dental | GUARDIAN | 74 | $27K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 141 | $6K |
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE CO | 228 | $71K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE CO | 228 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.