| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | AETNA LIFE INSURANCE COMPANY | $102K | — | $102K | 7.46% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | DELTA DENTAL INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOC FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANACIAL & IN | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE | $2K | — | $2K | 10.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | VISION SERVICE PLAN | $975 | — | $975 | 5.97% |
| ADRENS BENEFITS COMMUNICATIONS INC3 | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.90% |
| GLADY R ROWAN3 | 202 W LOUISIANA MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.34% |
| PATRICIA A YEATS3 | PO BOX 500 COPPELL, TX 75019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 1100 E 6600 S SALT LAKE CITY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.24% |
| CAROL A BAKER3 | 2318 PROMONTOROY POINT PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.20% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.14% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| VOLUNTARY SOLUTIONS INC3 | 195 TELLURIDE STREET BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| GARY C KLEIN3 | 5924 BALFOUR CT STE 100 CARLSBAD, CA 92008 | AFLAC | $269 | — | $269 | 4.83% |
| CHERIE E BLOODWORTH3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $80 | — | $80 | 1.44% |
| GARY C KLEIN3 | 5924 BALFOUR CT STE 100 CARLSBAD, CA 92008 | AFLAC | $78 | — | $78 | 1.40% |
| JAMES M. ANDERSON3 Filed as: JAMES MICHAEL ANDERSON | 1238 CCHINKAPIN PLACE FLOWER MOUND, TX 75028 | AFLAC | $55 | — | $55 | 0.99% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $47 | — | $47 | 0.84% |
| BARBARA ANN MCNAUGHTON3 | 29622 N 21ST DR PHOENIX, AZ 85085 | AFLAC | $33 | — | $33 | 0.59% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD SUITE 380 PHOENIX, AZ 85027 | AFLAC | $27 | — | $27 | 0.49% |
| JONI AKALA BILLINGS3 | 23779 LA POSTA CT CORONA, CA 92883 | AFLAC | $17 | — | $17 | 0.31% |
| SUZANNE LEWIS3 | 7116 RIPLEY ST MCKINNEY, TX 75071 | AFLAC | $14 | — | $14 | 0.25% |
| DEANNA B SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $8 | — | $8 | 0.14% |
| JONI AKALA BILLINGS3 | 24227 SONGSPARROW LN CORONA, CA 92883 | AFLAC | $8 | — | $8 | 0.14% |
| BRENT LYNN SCHNEIDER3 | 3801 FALL WHEAT DR PLANO, TX 75075 | AFLAC | $6 | — | $6 | 0.11% |
| H PATRICK BRUMLEY3 | 4 GLENDALE CT TROPHY CLUB, TX 76262 | AFLAC | $6 | — | $6 | 0.11% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $1 | — | $1 | 0.02% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOC FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | — | $409 | 9.99% |
| GARY C KLEIN3 | 5924 BALFOUR CT STE 100 CARLSBAD, CA 92008 | AFLAC | $76 | — | $76 | 3.67% |
| JAMES M. ANDERSON3 Filed as: JAMES MICHAEL ANDERSON | 1238 CHINKAPIN PLACE FLOWER MOUND, TX 75028 | AFLAC | $28 | — | $28 | 1.35% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $23 | — | $23 | 1.11% |
| BARBARA ANN MCNAUGHTON3 | 29622 N 21ST DR PHOENIX, AZ 85085 | AFLAC | $19 | — | $19 | 0.92% |
| RAND G SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $17 | — | $17 | 0.82% |
| CHERIE E BLOODWORTH3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $11 | — | $11 | 0.53% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | AFLAC | $9 | — | $9 | 0.43% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $5 | — | $5 | 0.24% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $5 | — | $5 | 0.24% |
| H PATRICK BRUMLEY3 | 4 GLENDALE CT TROPHY CLUB, TX 76262 | AFLAC | $4 | — | $4 | 0.19% |
| SUZANNE LEWIS3 | 7116 RIPLEY ST MCKINNEY, TX 75071 | AFLAC | $4 | — | $4 | 0.19% |
| BRENT LYNN SCHNEIDER3 | 3801 FALL WHEAT DR PLANO, TX 75075 | AFLAC | $2 | — | $2 | 0.10% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 119 | $1.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 117 | $102K |
| Vision | VISION SERVICE PLAN | 119 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $44K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 119 | $24K |
| Other(5 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 120 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.