| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $582 | $13K | 8.29% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 0.03% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | EYEMED VISION CARE | $11K | — | $11K | 10.93% |
| 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 | — | $22K | $22K | 30.23% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | EYEMED VISION CARE | $127 | — | $127 | 19.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC EIN 43-1420563 ADMINISTATOR | Plan Administrator Service code 14 | — | $340K |
| FLEX FACTS EIN 43-1420563 ADMINISTRATOR | Plan Administrator Service code 14 | — | $12K |
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 | 1,192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 963 | $12.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 951 | $72K |
| Vision(2 contracts) | EYEMED VISION CARE | 1,971 | $103K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,192 | $358K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 694 | $330K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 590 | $101K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 963 | $1.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,192 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,971 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.