| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALIFORNIA CREATIVE BENEFITS3 | 65 W HAMILTON AVE SUITE 5 CAMPBELL, CA 95008 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | — | $63K | 3.70% |
| CALIFORNIA CREATIVE BENEFITS3 | 65 W HAMILTON AVE SUITE 5 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN, INC. | $58K | — | $58K | 6.93% |
| CALIFORNIA CREATIVE BENEFITS3 | 65 W HAMILTON AVE SUITE 5 CAMPBELL, CA 95008 | UNITED CONCORDIA INSURANCE COMPANY | $21K | — | $21K | 9.83% |
| CALIFORNIA CREATIVE BENEFITS3 | 65 W HAMILTON AVE SUITE 5 CAMPBELL, CA 95008 | LINCOLN FINANCIAL GROUP | $10K | $4K | $13K | 10.91% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC | 101 TREMONT STREET FL 11 BOSTON, MA 02108 | LINCOLN FINANCIAL GROUP | — | $4K | $4K | 3.00% |
| CALIFORNIA CREATIVE BENEFITS3 | 65 W HAMILTON AVE SUITE 5 CAMPBELL, CA 95008 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 13.50% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 284 | $2.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 430 | $212K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 426 | $44K |
| Life insurance | LINCOLN FINANCIAL GROUP | 184 | $121K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 184 | $121K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 184 | $121K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 284 | $1.7M |
| Other | LINCOLN FINANCIAL GROUP | 184 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.