| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $190K | $190K | 6.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS | 3809 CHESTER PIKE # 190 NEWTON SQUARE, PA 19073 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $31K | $31K | 0.99% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | — | $12K | 2.60% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVE SUITE 220 HARRISON, NY 10528 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 0.37% |
| CREATIVE BENEFITS, INC.3 | 3809 W CHESTER PIKE STE 190 NEWTON SQUARE, PA 190732331 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | — | $9K | 2.38% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVE SUITE 220 HARRISON, NY 105281600 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 0.44% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 155 N WACKER DR STE 1500 CHICAGO, IL 606061710 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 0.43% |
| BGBRAND BENEFITS, LLC3 | 10 CAMPUS BOULEVARD NEWTON SQUARE, PA 19073 | HARTFORD LIFE AND ACCIDENT | $49K | — | $49K | 14.95% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST 2ND STREET 1ST FLOOR MEDIA, PA 19063 | HARTFORD LIFE AND ACCIDENT | $455 | $1K | $2K | 0.55% |
| 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 | $9K | $6K | $14K | 4.74% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.48% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $7K | — | $7K | 2.64% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $7K | — | $7K | 2.80% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTON SQUARE, PA 19073 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $3K | — | $3K | 3.30% |
| YORK INTERNATIONAL AGENCY LLC3 Filed as: YORK INTERNATIONAL AGENCY, LLC | 500 MAMARONECK AVE SUITE 220 HARRISON, NY 10528 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $365 | — | $365 | 0.42% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | VISION SERVICE PLAN | $2K | — | $2K | 3.35% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 5.27% |
| CREATIVE BENEFITS, INC.3 | 3809 W CHESTER PIKE STE 190 NEWTON SQUARE, IL 190732331 | KAISER FOUNDATION HEALTH PLAN, INC. | $537 | — | $537 | 2.31% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $991 | — | $991 | 6.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTON SQUARE, PA 19073 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $163 | — | $163 | — |
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 | 767 | 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) | 767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $4.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 630 | $302K |
| Vision | VISION SERVICE PLAN | 574 | $60K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 767 | $328K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 767 | $328K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 591 | $3.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 767 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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.