| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $97K | $21K | $118K | 14.85% |
| 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 | $111K | $28K | $139K | 18.77% |
| 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 | $51K | $15K | $66K | 10.93% |
| 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 | $13K | $4K | $18K | 10.56% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | VISION SERVICE PLAN | $4K | — | $4K | 2.79% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10K | — | $10K | 35.08% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | — | $6K | 25.79% |
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 | 1,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 999 | $160K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,382 | $796K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,232 | $605K |
| Stop-loss / reinsurancereinsurance | FIRST SYMETRA NATIONAL LIFE INS CO OF NEW YORK | 1,103 | $742K |
| Other(5 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 3,360 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,360 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.