| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $961K | $0 | $961K | 6.60% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | USABLE LIFE | $1.1M | $0 | $1.1M | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $186K | $0 | $186K | 2.50% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $877K | $88K | $965K | 16.50% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $634K | $154K | $788K | 20.84% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $117K | $0 | $117K | 16.67% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, LLC | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | BEAZLEY INSURANCE COMPANY, INC. | $33K | $0 | $33K | 6.00% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | BEAZLEY INSURANCE COMPANY, INC. | $28K | $0 | $28K | 5.01% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK STREET, SUITE 207 MOUNT PLEASANT, SC 29466 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $16K | $0 | $16K | 13.90% |
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 | 188,023 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188,089 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BEAZLEY INSURANCE COMPANY, INC. | 759 | $553K |
| Dental(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 49,075 | $14.7M |
| Vision(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 49,075 | $14.7M |
| Life insurance | USABLE LIFE | 65,014 | $7.5M |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,754 | $6.4M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,026 | $4.5M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 186,361 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186,361 | — |
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.