| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARTMAN EMPLOYEE BENEFITS3 Filed as: HARTMAN EMPLOYEE BENEFITS INC. | 420 WILLIAM STREET WILLIAMSPORT, PA 17701 | HIGHMARK BLUE SHIELD | $23K | — | $23K | 1.47% |
| EMERSON REID LLC3 | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE SHIELD | $17K | — | $17K | 1.06% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS | ELLIS PRESERVE-3809 W CHESTER PIKE NEWTON SQUARE, PA 19073 | HIGHMARK BLUE SHIELD | -$69 | — | -$69 | -0.00% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| 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 | $1K | 1.60% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING, LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 7.50% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING, LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | DENTAL HEALTH OPTIONS BY HEALTH RESOURCES, INC. | $2K | — | $2K | 10.00% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| 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 | — | $271 | $271 | 1.66% |
| NOVALYZE CONSULTING3 | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | NATIONAL VISION ADMINISTRATORS, LLC | $1K | — | $1K | 10.00% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| 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 | — | $140 | $140 | 1.27% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD | 328 | $1.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 217 | $71K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 241 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $71K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $16K |
| Prescription drug | HIGHMARK BLUE SHIELD | 328 | $1.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 208 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.