| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE MARKETING SOLUTIONS INC3 | 1609 YORKSHIRE DR CHAMPAIGN, IL 61822 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.41% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS INC. | 1609 YORKSHIRE DR CHAMPAIGN, IL 618227815 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.74% |
| ALISSA SEAMAN-KESLER3 | 2511 SCOVIL CIR URVANA, IL 61801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.79% |
| CREATIVE MKTG SOLUTIONS INC3 | 108 HESSEL BLVD CHAMPAIGN, IL 61622 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $970 | — | $970 | 5.69% |
| DWIGHT GOSSETT3 | 13070 ABRAHAM RUN CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.72% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $5 | $117 | 0.69% |
| CREATIVE MARKETING SOLUTIONS INC3 Filed as: CREATIVE MARKETING SOLUTIONS, INC. | 1609 YORKSHIRE DR CHAMPAIGN, IL 618227815 | VISION SERVICE PLAN | $413 | — | $413 | 10.00% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 27 | $211K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $17K |
| Vision | VISION SERVICE PLAN | 25 | $4K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $34K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 25 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.