| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 11.39% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 13.68% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 200 GALLERIA PARKWAY, STE. 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.35% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 W. CHESTER PIKE, STE. 190 NEWTOWN SQUARE, PA 190732331 | VISION SERVICE PLAN | $1K | — | $1K | 5.26% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $77 | $276 | 6.72% |
| BARBARA A KENNEDY3 Filed as: BARBARA ANN KENNEDY | 122 E. WATER ST. MUNCY, PA 17756 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 5.55% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LN. BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $16 | $132 | 3.22% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $9 | $73 | 1.78% |
| GARY D DAVIS3 Filed as: GARY D. DAVIS | 1 ARCTURUS DR. SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $5 | $14 | 0.34% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LN. EGG HARBOR TOWNSHIP, NJ 08234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $3 | $12 | 0.29% |
| MERRIDITH STANTON3 | 456 LAKE COMO DR. POMONA PARK, FL 32181 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.27% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BELLFIELD CT. HOCKESSIN, DE 19707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.24% |
| JULIA GEORGE3 | 4314 TERRACE ST. PHILADELPHIA, PA 19128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.17% |
| DOUGLAS ROBERT BORLAND3 | 658 ASHLEY HILL RD. MANSFIELD, PA 16933 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.17% |
| BONCHER BENEFITS, INC.3 Filed as: BONCHER BENEFITS INC | 288 COLD SPRING DR. JIM THORPE, PA 18229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.15% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1028 FREEDOM STREET LITITZ, PA 17543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| LEITZ INSURANCE AGENCY LLC3 | 10 TRADITION CIR. EGG HARBOR TOWNSHIP, NJ 08234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
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 | 457 | 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) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $108K |
| Vision | VISION SERVICE PLAN | 282 | $26K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 457 | $164K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 457 | $164K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 457 | $164K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 457 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.