| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MOUNT PLEASANT, SC 29466 | USABLE LIFE | $714K | — | $714K | 11.00% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MOUNT PLEASANT, SC 29466 | USABLE LIFE | $290K | — | $290K | 4.46% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $162K | — | $162K | 2.50% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $583K | — | $583K | 10.95% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $215K | $80K | $295K | 5.55% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $442K | — | $442K | 12.75% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $139K | $141K | $280K | 8.09% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | BEAZLEY INSURANCE COMPANY, INC. | $54K | — | $54K | 5.99% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | BEAZLEY INSURANCE COMPANY, INC. | $45K | — | $45K | 5.01% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69K | — | $69K | 10.95% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 4.05% |
| BRUCE M THOMPSON3 | 3404 SALTERBECK STREET SUITE 207 MT. PLEASANT, SC 29466 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $21K | — | $21K | 31.47% |
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 | 162,196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 178 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BEAZLEY INSURANCE COMPANY, INC. | 5,078 | $905K |
| Dental(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 47,153 | $12.1M |
| Vision(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 47,153 | $12.1M |
| Life insurance | USABLE LIFE | 63,074 | $6.5M |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 9,084 | $6.2M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,702 | $4.1M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 162,542 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162,542 | — |
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.