Creative Health Services, Inc.
Updated Filing received by DOL
Creative Health Services, Inc., a healthcare & social assistance employer in Pottstown, Pennsylvania, reported 214 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $1.9M in insurance premiums across 5 contracts and $115,804 in broker commissions and fees, 4.2% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on March 19, 2026, before the deadline.
Who was paid on Creative Health Services, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Creative Health Services, Inc. filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Kistler Tiffany Benefits General · Berwyn, PA | $78,273 | $0 | $78,273 | 2 |
| OneDigital · Atlanta, GA | $15,187 | $11,445 | $26,632 | 2 |
| Amerihealth Administrators Inc · Eagan, MN | $4,149 | $0 | $4,149 | 1 |
| Corporate Synergies · Camden, NJ | $3,768 | $0 | $3,768 | 2 |
| Ardena L McVicker · Morgantown, PA | $553 | $189 | $742 | 1 |
| Teresa Burns · Malvern, PA | $678 | $0 | $678 | 1 |
| Benechoice Enrollment Solutions & T · Lancaster, PA | $493 | $41 | $534 | 1 |
| Petrina Skiles · Lancaster, PA | $447 | $0 | $447 | 1 |
| Joseph R Stoll and Various Agents · Lansdale, PA | $307 | $0 | $307 | 1 |
| Lawrence Eugene Prichard · Hillsboro, KY | $239 | $0 | $239 | 1 |
| Employee Navigator, LLC · Bethesda, MD | $35 | $0 | $35 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Independence Blue Crosshealth, PPO | 265 | $1.9M | $77,198 | 4.2% |
| Colonial Life & Accident Insurance Companyshort-term disability | 42 | — | $5,549 | — |
| Care Plus Solutions, Inccoverage not coded | 217 | — | — | — |
| Guardian Life Insurance Companylife, short-term disability, long-term disability | 202 | — | $31,892 | — |
| Vision Service Planvision | 158 | — | $1,165 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Creative Health Services, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $7,015 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 205 | 214 | +4.4% |
| Premiums filed | $1,744,523 | $1,858,944 | +6.6% |
| Broker commissions + fees | $142,567 | $115,804 | −18.8% |
| Commission rate | 5.6% | 4.2% | −1.5 pts |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Creative Health Services, Inc. Welfare Benefit Plan#501 · insurance, general assets | August 31, 2025 | March 19, 2026 | before deadline | 214 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Creative Health Services, Inc. pay in health insurance broker commissions in 2024?
Creative Health Services, Inc.'s 2024 Form 5500 reports $115,804 in broker commissions and fees across 5 insurance contracts ($104,129 in commissions, $11,675 in fees), with Kistler Tiffany Benefits General receiving the largest share.
Is Creative Health Services, Inc.'s health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Independence Blue Cross.
How does Creative Health Services, Inc.'s broker compensation compare with similar employers?
Creative Health Services, Inc. paid 4.2% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Pennsylvania is 4.4%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.