| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNADETTE M O'NEIL3 Filed as: BERNADETTE ONEILL | 3809 WEST CHESTER PIKE SUITE 190 NEWTON SQUARE, PA 19073 | METROPOLITAN LIFE INSURANCE COMPANY | $306 | $0 | $306 | 0.92% |
| BERNADETTE M O'NEIL3 Filed as: BERNADETTE M. ONEILL | 3809 EAST CHESTER PARK SUITE 190 NEWTOWN SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.90% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES, INC. | 1350 TREAT BOULEVARD, SUITE 470 WALNUT CREEK, CA 94597 | VISION SERVICE PLAN | $277 | $0 | $277 | 5.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | 3809 W CHESTER PIKE, SUITE 190 NEWTON SQUARE, PA 19073 | VISION SERVICE PLAN | $184 | $0 | $184 | 3.32% |
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 | 534 | 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) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 545 | $499K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,087 | $33K |
| Vision | VISION SERVICE PLAN | 489 | $6K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 545 | $499K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 519 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 519 | $9K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 545 | $499K |
| Other | BLUE CROSS OF CALIFORNIA | 545 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,087 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.