| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WESTCHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | SYMETRA LIFE INSURACE COMPANY | $80K | $16K | $96K | 18.05% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WESTCHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19703 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 10.00% |
| CREATIVE BENEFITS, INC.5 Filed as: CREATIVE BENEFITS, INC | 3809 WESTCHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CYNTHIA RUTKOWSKI EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $60K |
| PEOPLES SECURITY BANK NONE | Direct payment from the plan; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | 150 NORTH WASHINGTON AVE SCRANTON, PA 18503 | $40K |
| CREATIVE BENEFITS, INC EIN 23-2245507 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 3809 WEST CHESTER PIKE, STE 190 NEWTOWN SQUARE, PA 19073 | $25K |
| LYNN ANDREOLI EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $24K |
| ALAN ROSS AND COMPANY PC EIN 20-5367494 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 10 HEARTHSTONE COURT, STE 100 READING, PA 19606 | $13K |
| NORTHEAST ADVISERS, INC NONE | Investment advisory (plan); Investment management fees paid directly by plan Service code 27 | 163 W LANCASTER AVE, FIRST FL PAOLI, PA 19301 | $9K |
| ODONOGHUE & ODONOGHUE EIN 53-0120528 NONE | Legal Service code 29 | 325 CHESTNUT STREET, SUITE 515 PHILADELPHIA, PA 19106 | $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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC | 288 | $851K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 469 | $25K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 601 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 469 | $127K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 469 | $127K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURACE COMPANY | 302 | $533K |
| Other | HARTFORD LIFE AND ACCIDENT | 469 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.