| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE NEWTON SQUARE, PA 19073 | HIGHMARK INC. | $13K | — | $13K | 1.52% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 190732304 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $40 | $9K | 10.77% |
| 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 | — | $5K | $5K | 7.20% |
| RUTH GRAHAM CONAGHAN3 Filed as: RUTH A CONAGHAN | 319 ARTHUR COURT NEWTON SQUARE, PA 19073 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.64% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP. L | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.05% |
| RUTH GRAHAM CONAGHAN3 | ELLIS PRESERVE NEWTON SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 27.03% |
| DOUGLAS ROBERT BORLAND3 | 919 SCOTT ST WIKES-BARRE, PA 18705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 15.58% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HWY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $590 | $3K | 14.99% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $913 | $58 | $971 | 4.65% |
| NORTH EAST EMPIRE INC3 | 268 EAST END CENTER WIKES BARRE, PA 18702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | $56 | $373 | 1.79% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DR NW BONDURANT, IA 50035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $17 | $342 | 1.64% |
| JASON C KOSTIK3 Filed as: JASON CHRISTOPHER KOSTIK | 120 W MORELAND AVE HATBORO, PA 19040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $20 | $44 | 0.21% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | 31 N. GATES AVENUE KINGSTON, PA 18704 | VISION BENEFITS OF AMERICA | $652 | — | $652 | 5.00% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 125 | $877K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $64K |
| Vision | VISION BENEFITS OF AMERICA | 84 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $85K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $85K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $85K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
No prospect flags tripped on this filing.