See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 5 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 3 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANDREA NOVAK EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $50K |
| CYNTHIA RUTKOWSKI EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $35K |
| PEOPLES SECURITY BANK NONE | Direct payment from the plan; Custodial (securities); Investment management fees paid directly by plan Service code 19 | 150 NORTH WASHINGTON AVE SCRANTON, PA 18503 | $30K |
| CREATIVE BENEFITS, INC EIN 23-2245507 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 3809 WEST CHESTER PIKE, STE 190 NEWTOWN SQUARE, PA 19073 | $21K |
| ALAN ROSS AND COMPANY PC EIN 20-5367494 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 10 HEARTHSTONE COURT, STE 100 READING, PA 19606 | $13K |
| NORTHEAST ADVISERS, INC NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | 163 W LANCASTER AVE, FIRST FL PAOLI, PA 19301 | $11K |
| LYNN ANDREOLI EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $7K |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 258 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HIGHMARK, INC | 822 | $5.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $30K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 822 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 520 | $97K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 520 | $97K |
| Other | HARTFORD LIFE AND ACCIDENT | 520 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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 the prior filing. The plan is willing to move. Re-pitch on the next cycle.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.