| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BERNADETTE M O'NEIL3 Filed as: BERNADETTE M O NEILL | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | $136K | $38K | $174K | 19.16% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $86K | $40K | $126K | 17.34% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $52K | $31K | $83K | 14.63% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | VISION SERVICE PLAN | $6K | — | $6K | 3.01% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $14K | $9K | $23K | 13.89% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $14K | — | $14K | 35.31% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10K | — | $10K | 30.09% |
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 | 1,562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,089 | $194K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,493 | $726K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,380 | $570K |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | 1,199 | $909K |
| Other(5 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 3,924 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,924 | — |
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."
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.