| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC. Filed as: CREATIVE BENEFIT SOLUTIONS | 205 N. LAKE ST WARSAW, IN 46580 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $6K | — | $6K | 8.08% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 205 N. LAKE ST WARSAW, IN 46580 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 9.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CREATIVE BENEFIT SOLUTIONS LLC EIN 35-2243888 NONE | Other fees Service code 99 | — | $72K |
| GROUP ADMINISTRATORS LTD EIN 36-3381052 NONE | Claims processing Service code 12 | — | $48K |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 60 | $42K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 60 | $42K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 212 | $77K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 212 | $77K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 139 | $588K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 212 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.