| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | CREATIVE BENEFITS, INC 700 EAST GATE DRIVE SUITE 115 MT LAUREL TOWNSHIP, NJ 08054 | PERSONAL CHOICE | $333K | — | $333K | 4.76% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $68K | — | $68K | 25.33% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $8K | 2.80% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $161 | — | $161 | 0.06% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $49K | — | $49K | 20.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 2.95% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $143 | — | $143 | 0.06% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | — | $48K | 25.44% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $6K | 3.00% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $225 | — | $225 | 0.12% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 10.40% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $692 | $4K | 2.69% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42 | — | $42 | 0.03% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 12.74% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $2K | $12K | 8.98% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.59% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTON SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 12.42% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 9.69% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.79% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $122 | — | $122 | 0.15% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 17.21% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 9.93% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 4.45% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTON SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 24.96% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $305 | $1K | 2.93% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18 | — | $18 | 0.04% |
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 | 1,252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PERSONAL CHOICE | 810 | $7.0M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 50 | $189K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $425K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 48 | $242K |
| Prescription drug | RXBENEFITS, INC. | 814 | $1.8M |
| Other(7 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,244 | $813K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,244 | — |
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.