| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 4.05% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $598 | $4K | 5.30% |
| EMPLOYEE FAMILY PROTECTION INC3 | ATTN MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 41.16% |
| CREATIVE BENEFITS, INC.3 | 3809 WESTCHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.66% |
| BEACON BENEFITS LLC3 | 120 SOUTH WARRNER ROAD SUITE 201 KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.42% |
| CREATIVE BENEFITS, INC.3 | 3809 WESTCHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.63% |
| EMPLOYEE FAMILY PROTECTION INC3 | ATTN MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $907 | $3K | 21.43% |
| CREATIVE BENEFITS, INC.3 | 3809 WESTCHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $579 | — | $579 | 3.97% |
| BEACON BENEFITS LLC3 | 120 SOUTH WARRNER ROAD SUITE 201 KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 0.23% |
| CREATIVE BENEFITS, INC.3 | 3809 WESTCHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $56 | $1K | 10.39% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 10.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $807 | $31 | $838 | 10.38% |
| CREATIVE BENEFITS, INC.3 | 3809 WESTCHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.01% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $116 | $4 | $120 | 10.35% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $887K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $67K |
| Vision | VISION BENEFITS OF AMERICA | 106 | $12K |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 137 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $8K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $21K |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 137 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.