| 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 | $100K | $18K | $119K | 17.61% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WESTCHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19703 | HARTFORD LIFE AND ACCIDENT | — | $327 | $327 | 0.23% |
| ENROLLEASE6 Filed as: ONE DIGITAL PREMIER SERVICES LLC | 200 GALERIA PARKWAY STE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $750 | — | $750 | 2.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC EIN 23-1294723 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $399K |
| CYNTHIA RUTKOWSKI EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| LYNN ANDREOLI EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| 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 | $42K |
| CREATIVE BENEFITS, INC EIN 23-2245507 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 3809 WEST CHESTER PIKE, STE 190 NEWTOWN SQUARE, PA 19073 | $29K |
| 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 | $14K |
| CAROLYN MCLAUGHLIN-SMITH NONE | Insurance agents and brokers Service code 22 | 16 CAMPUS BLVD NEWTOWN SQUARE, PA 19073 | $0 |
| PRIME THERAPEUTICS NONE | Other services Service code 49 | — | $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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 230 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC | 307 | $843K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 442 | $26K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 457 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 475 | $139K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 475 | $139K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURACE COMPANY | 307 | $673K |
| Other | HARTFORD LIFE AND ACCIDENT | 475 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.