| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALAN ROSS & COMPANY, PC EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 10 HEARTHSTONE COURT, SUITE 100 READING, PA 19606 | $16K |
| BARATZ & ASSOCIATES PA NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 4B EVES DR 100 MARLTON, NJ 08053 | $6K |
| LAWRENCE C MUSGROVE ASSOCIATES EIN 54-0759756 NONE | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 1769 SALEM, VA 24153 | $6K |
| CAPTRUST FINANICAL ADVISORS EIN 26-0058413 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 4208 SIX FORKS ROAD, STE 1700 RALEIGH, NC 27609 | $6K |
| CHARLES SCHWAB & COMPANY, INC EIN 94-1737782 NONE | Custodial (securities); Securities brokerage commissions and fees 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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 142 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT INSURANCE CO | 0 | $37K |
| Other | HARTFORD LIFE AND ACCIDENT INSURANCE CO | 0 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.