| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS | ELLIS PRESERVE NEWTON SQUARE, PA 19073 | HIGHMARK BLUE SHIELD | $31K | — | $31K | 2.22% |
| HARTMAN EMPLOYEE BENEFITS3 Filed as: HARTMAN EMPLOYEE BENEFITS INC. | 420 WILLIAM STREET WILLIAMSPORT, PA 17701 | HIGHMARK BLUE SHIELD | $3K | — | $3K | 0.24% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | ELLIS PRESERVE-3809 W CHESTER PIKE NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 9.99% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.44% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS | 3809 WEST CHESTER PIKE - SUITE 190 NEWTON SQUARE, PA 19073 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 3.81% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING, LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | DELTA DENTAL OF TENNESSEE | $974 | — | $974 | 1.79% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | ELLIS PRESERVE NEWTOWN SQUARE, PA 19073 | DENTAL HEALTH OPTIONS BY HEALTH RESOURCES | $2K | — | $2K | 7.53% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING, LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | DENTAL HEALTH OPTIONS BY HEALTH RESOURCES | $680 | — | $680 | 2.47% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | ELLIS PRESERVE-3809 W CHESTER PIKE NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $438 | $2K | 10.03% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $432 | — | $432 | 2.42% |
| RUTH GRAHAM CONAGHAN3 | 3809 W CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | EYEMED VISION CARE | $1K | — | $1K | 9.20% |
| NOVALYZE CONSULTING3 | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | EYEMED VISION CARE | $140 | — | $140 | 0.87% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | ELLIS PRESERVE-3809 W CHESTER PIKE NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $698 | $222 | $920 | 9.92% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $229 | — | $229 | 2.47% |
No Schedule C service providers reported on this filing.
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD | 362 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 208 | $82K |
| Vision | EYEMED VISION CARE | 253 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $75K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $18K |
| Prescription drug | HIGHMARK BLUE SHIELD | 362 | $1.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.