| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | TRANSAMERICA LIFE INSURANCE COMPANY | $987K | — | $987K | 19.00% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET #207 MOUNT PLEASANT, SC 29466 | USABLE LIFE | $766K | — | $766K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $158K | — | $158K | 3.09% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK STE SUITE 207 MT. PLEASANT, SC 60674 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $392K | $6K | $398K | 15.23% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 0.53% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 2676 N HIGHWAY 17 MOUNT PLEASANT, SC 294666899 | RELIASTAR LIFE INSURANCE COMPANY | $368K | — | $368K | 20.00% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIASTAR LIFE INSURANCE COMPANY | — | $118K | $118K | 6.42% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $262K | $6K | $268K | 16.88% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBACK STE SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $23K | $23K | 1.43% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK STE SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $58K | $4K | $62K | 16.03% |
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 | 132,518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 188 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132,706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 30,201 | $5.1M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,899 | $2.6M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,309 | $2.0M |
| Other(5 contracts, 5 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 132,518 | $12.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132,518 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.