| 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. | $8K | — | $8K | 0.77% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE MOUNT LAUREL, NJ 08054 | HIGHMARK INC. | $4K | — | $4K | 0.46% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 190732304 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 8.04% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.16% |
| 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 | 7.83% |
| RUTH GRAHAM CONAGHAN3 Filed as: RUTH A CONAGHAN | 319 ARTHUR COURT NEWTON SQUARE, PA 19073 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.10% |
| CORPORATE SYNERGIES GROUP LLC3 | FERRY TERMINAL BUILDING 2 AQUARIUM DRIVE CAMDEN, NJ 08103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $415 | — | $415 | 0.68% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, L | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25 | — | $25 | 0.04% |
| RUTH GRAHAM CONAGHAN3 | ELLIS PRESERVE NEWTON SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $126 | $2K | 10.35% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HWY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $568 | $2K | 9.85% |
| DOUGLAS ROBERT BORLAND3 | 919 SCOTT ST WIKES-BARRE, PA 18705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $5 | $554 | 3.46% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $334 | $208 | $542 | 3.39% |
| RITA A FOUBERT3 | 204 MALLARD POINTE DR NW BONDURANT, IA 50035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $12 | $92 | 0.57% |
| CORPORATE SYNERGIES GROUP LLC3 | AND VARIOUS AGENTS 2 AQUARIUM LOOP DR STE 200 CAMDEN, NJ 08103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.36% |
| NORTH EAST EMPIRE INC3 | 93 WOODSIDE RD DANVILLE, PA 17821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.29% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC. | 31 N. GATES AVENUE. KINGSTON, PA 18704 | VISION BENEFITS OF AMERICA | $424 | — | $424 | 3.27% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP LLC. | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, PA 19312 | VISION BENEFITS OF AMERICA | $225 | — | $225 | 1.73% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 122 | $985K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $61K |
| Vision | VISION BENEFITS OF AMERICA | 91 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $89K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $89K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $89K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.