| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC. Filed as: CREATIVE BENEFITS, INC | 3809 WESTCHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | GEISINGER HEALTH PLAN | $119K | — | $119K | 3.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WESTCHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | HARTFORD LIFE AND ACCIDENT | $9K | $558 | $10K | 9.70% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WESTCHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $8K | $9K | 105.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANDREA NOVAK EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| PEOPLES SECURITY BANK NONE | Custodial (securities); Direct payment from the plan; Investment management fees paid directly by plan Service code 19 | 150 NORTH WASHINGTON AVE SCRANTON, PA 18503 | $32K |
| CYNTHIA RUTKOWSKI EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $31K |
| CREATIVE BENEFITS, INC EIN 23-2245507 NONE | Insurance agents and brokers; Direct payment from the plan; Insurance brokerage commissions and fees Service code 22 | 3809 WEST CHESTER PIKE, STE 190 NEWTOWN SQUARE, PA 19073 | $25K |
| SALTER & COMPANY, LLC EIN 20-8078757 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 4600 EAST-WEST HIGHWAY, SUITE 300 BETHESDA, MD 280143415 | $16K |
| ODONOGHUE & ODONOGHUE EIN 53-0120528 NONE | Legal; Direct payment from the plan Service code 29 | 325 CHESTNUT STREET, SUITE 515 PHILADELPHIA, PA 19106 | $9K |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 249 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 772 | $4.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 503 | $9K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 517 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 517 | $101K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 517 | $101K |
| Other | HARTFORD LIFE AND ACCIDENT | 517 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.