| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 ELLIS PRESERVE NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 4.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 100 NEWTOWN SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 1.57% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $4K | $17K | 15.36% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $4K | $16K | 15.36% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $3K | $13K | 15.31% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | VISION SERVICE PLAN | $1K | — | $1K | 3.68% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 18.93% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM INSURANCE COMPANY | $2K | $477 | $2K | 17.27% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM INSURANCE COMPANY | $2K | $460 | $2K | 19.15% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $377 | $2K | 15.22% |
| CREATIVE BENEFITS, INC.4 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 17.22% |
| ITEM III TRUST U/W DAVID A SAVULA4 | 480 RIVERHILL DRIVE ATLANTA, GA 30328 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $114 | — | $114 | 1.52% |
| CAROL PURDY FIELDS4 Filed as: CAROL CLINTON SMITH MARITAL TRUST | 3317 WAUWINET WAY NORMAN, OK 73071 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 0.51% |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 674 | $5.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 341 | $260K |
| Vision | VISION SERVICE PLAN | 333 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 404 | $87K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 404 | $105K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 404 | $110K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 404 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.