| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | GEISINGER HEALTH PLAN | $33K | — | $33K | 3.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | GEISINGER QUALITY OPTIONS, INC. | $16K | — | $16K | 3.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $8K | 8.41% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 8.58% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $607 | $4K | 15.75% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | 31 NORTH GATES AVENUE KINGSTON, PA 18704 | VISION BENEFITS OF AMERICA | $426 | — | $426 | 3.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE 3809 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $191 | $12 | $203 | 10.64% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 85 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $94K |
| Vision | VISION BENEFITS OF AMERICA | 143 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $45K |
| Prescription drug(2 contracts, 2 carriers) | GEISINGER HEALTH PLAN | 85 | $1.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.