| 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 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $11K | $15K | 6.84% |
| CREATIVE BENEFITS, INC. Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 10.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANDREA NOVAK EIN 23-7424474 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 711 COREY STREET SCRANTON, PA 18505 | $57K |
| MARY ANN BABINSKI EIN 23-7424474 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 711 COREY STREET SCRANTON, PA 18505 | $25K |
| CREATIVE BENEFITS INC EIN 23-2245507 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 3809 WEST CHESTER PIKE STE 100 NEWTOWN SQUARE, PA 19073 | $24K |
| O'DONOGHUE & O'DONOGHUE, LLP EIN 53-0120528 NONE | Legal; Direct payment from the plan Service code 29 | 4748 WISCONSIN AVENUE, NW WASHINGTON, DC 20016 | $24K |
| PEOPLES SECURITY BANK NONE | Investment management fees paid directly by plan; Custodial (securities); Direct payment from the plan Service code 19 | 150 NORTH WASHINGTON AVENUE SCRANTON, PA 18503 | $22K |
| SALTER & COMPANY, LLC EIN 20-8078757 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 4600 EAST-WEST HIGHWAY, SUITE 300 BETHESDA, MD 208143415 | $15K |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 271 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD | 752 | $2.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 490 | $222K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 504 | $90K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 504 | $90K |
| Other | HARTFORD LIFE AND ACCIDENT | 504 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 752 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.