| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE M THOMPSON3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $1.0M | — | $1.0M | 9.34% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MOUNT PLEASANT, SC 29466 | USABLE LIFE | $701K | — | $701K | 11.00% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MOUNT PLEASANT, SC 29466 | USABLE LIFE | $285K | — | $285K | 4.47% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $159K | — | $159K | 2.50% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $550K | $4K | $555K | 11.04% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $204K | $77K | $281K | 5.58% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $414K | $5K | $419K | 12.87% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $131K | $134K | $264K | 8.13% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | BEAZLEY INSURANCE COMPANY, INC. | $65K | — | $65K | 5.99% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | BEAZLEY INSURANCE COMPANY, INC. | $55K | — | $55K | 5.02% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $63K | $4K | $67K | 11.71% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $2K | $25K | 4.33% |
| BRUCE M THOMPSON3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $23K | — | $23K | 5.49% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET #207 MT. PLEASANT, SC 29466 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 5.00% |
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 | 158,679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158,780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BEAZLEY INSURANCE COMPANY, INC. | 1,286 | $1.1M |
| Dental(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 46,912 | $11.1M |
| Vision(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 46,912 | $11.1M |
| Life insurance | USABLE LIFE | 33,005 | $6.4M |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,476 | $6.1M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,923 | $3.8M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 158,679 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158,679 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.