| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF AMERICA | $178K | — | $178K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 545 METRO PLACE S SUITE 150 DUBLIN, OH 43017 | SUN LIFE ASSURANCE COMPANY OF AMERICA | — | $27K | $27K | 1.50% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | SYMETRA LIFE INSURANCE COMPANY | $193K | $30K | $223K | 17.80% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT. | Float revenue; Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $1.1M |
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781588 ADMINISTRATION | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services; Contract Administrator Service code 12 | — | $481K |
| MERITAIN HEALTH EIN 16-1264154 ADMINITRATION | Contract Administrator; Accounting (including auditing) Service code 10 | — | $418K |
| GALLAGHER BASSETT SERVICES BROKER | Insurance agents and brokers Service code 22 | 9401 WILLIAMSBURG PLAZA SUITE 101 LOUISVILLE, KY 40222 | $23K |
| FLEX FACTS EIN 27-2036736 ADMINISTRATOR | Plan Administrator Service code 14 | — | $5K |
| CREATIVE BENEFITS, INC. BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19380 | $0 |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $364K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $364K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF AMERICA | 394 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.