| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 W CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 190732331 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 9.38% |
| JULIA GEORGE3 | 775 NJ-70 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $880 | $3K | 10.78% |
| TAMMIE CHAVIS JUMP3 | 1411 E. POWERSVILLE ROAD LUMBERTON, NC 28358 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $148 | $1K | 5.67% |
| MARK PAGE3 | 311 MARSH OAKS DRIVE WILMINGTON, NC 28411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $54 | $1K | 4.98% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $573 | $136 | $709 | 2.83% |
| EAST COAST ENROLLMENT SERVICES LLC3 | C/O MJ CONSULTING GROUP LAUREL SPRINGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $691 | — | $691 | 2.76% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $175 | $575 | 2.30% |
| RUTH GRAHAM CONAGHAN3 | ELLIS PRESERVE NEWTON SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | — | $365 | 1.46% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $92 | $331 | 1.32% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $62 | $249 | 0.99% |
| EPPIC INSURANCE SERVICE LLC3 | 420 BIRCHTREE VALLEY CT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $17 | $107 | 0.43% |
| JUDITH B BEZLER3 | 3702 DRY BROOK RD CHARLOTTE, NC 28269 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $2 | $99 | 0.40% |
| PATRICIA ANNE PRENDERGAST3 | 1385 BITTERSWEET LANE WEST CHESTER, PA 19380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $19 | $83 | 0.33% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $18 | $75 | 0.30% |
| KATHLEEN MURRAY-BARRETT3 | 1002 LAURENCE DR BLUE BELL, PA 19422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.27% |
| STEVIE KIRCHER3 | 109 MIDDLESEX ST GLOUCESTER CITY, NJ 08030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $6 | $67 | 0.27% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $1 | $40 | 0.16% |
| DOUGLAS ROBERT BORLAND3 | 919 SCOTT ST WILKES-BARRE, PA 18705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $7 | $27 | 0.11% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $12 | $18 | 0.07% |
| EAST COAST ENROLLMENT SERVICES LLC3 | 1405 CHEWS LANDING RD UNIT 7 LAUREL SPRINGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.02% |
| NORTH EAST EMPIRE INC3 | 268 EAST END CENTER WILKES BARRE, PA 18702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.02% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 W CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 190732331 | VISION SERVICE PLAN | $836 | — | $836 | 7.00% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $66K |
| Vision | VISION SERVICE PLAN | 185 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $66K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $66K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 215 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.