| 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 | $82K | — | $82K | 5.17% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | DELTA DENTAL INSURANCE COMPANY | $11K | — | $11K | 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 | $5K | — | $5K | 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 | $679 | $4K | 12.30% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANACIAL & IN | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE | $3K | — | $3K | 10.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 2870 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | VISION SERVICE PLAN | $999 | — | $999 | 5.88% |
| GARY C KLEIN3 | 10527 RAVENSCROFT DR DALLAS, TX 75230 | AFLAC | $786 | — | $786 | 7.00% |
| TREY KNIGHT HOLMES3 | 11740 DUXBURY DR FRISCO, TX 75035 | AFLAC | $569 | — | $569 | 5.06% |
| GARY C KLEIN3 | 5924 BALFOUR CT STE 100 CARLSBAD, CA 92008 | AFLAC | $490 | — | $490 | 4.36% |
| SHAWN R HOLMES3 | 114740 DUXBURY DR FRISCO, TX 75035 | AFLAC | $356 | — | $356 | 3.17% |
| CHERIE E BLOODWORTH3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $104 | — | $104 | 0.93% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 2340 E TRINITY MILLS RD STE 300 CARROLLTON, TX 75006 | AFLAC | $103 | — | $103 | 0.92% |
| JAMES M. ANDERSON3 Filed as: JAMES MICHAEL ANDERSON | 1238 CCHINKAPIN PLACE FLOWER MOUND, TX 75028 | AFLAC | $73 | — | $73 | 0.65% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $58 | — | $58 | 0.52% |
| JONI AKALA BILLINGS3 | 23779 LA POSTA CT CORONA, CA 92883 | AFLAC | $34 | — | $34 | 0.30% |
| BARBARA ANN MCNAUGHTON3 | 29622 N 21ST DR PHOENIX, AZ 85085 | AFLAC | $33 | — | $33 | 0.29% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | AFLAC | $32 | — | $32 | 0.28% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $13 | — | $13 | 0.12% |
| DEANNA B SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $11 | — | $11 | 0.10% |
| H PATRICK BRUMLEY3 | 4 GLENDALE CT TROPHY CLUB, TX 76262 | AFLAC | $7 | — | $7 | 0.06% |
| RAND G SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $3 | — | $3 | 0.03% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $2 | — | $2 | 0.02% |
| JOE A DEPASQUAL3 | 403 N FM 113 WATHERFORD, TX 76088 | AFLAC | $1 | — | $1 | 0.01% |
| JOE A DEPASQUAL3 Filed as: JOE A DEPASWUAL | 403 N FM 113 WEATHERFORD, TX 76088 | AFLAC | $1 | — | $1 | 0.01% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $1 | — | $1 | 0.01% |
| ADRENS BENEFITS COMMUNICATIONS INC3 | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.83% |
| GLADY R ROWAN3 | 202 W LOUISIANA MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.30% |
| PATRICIA A YEATS3 | PO BOX 500 COPPELL, TX 75019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 1100 E 6600 S SALT LAKE CITY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.22% |
| CAROL A BAKER3 | 2318 PROMONTOROY POINT PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.19% |
| COLONIAL OF NORTH TEXAS INSURANCE3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.12% |
| 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% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOC FINANCIAL | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $341 | $82 | $423 | 12.41% |
| GARY C KLEIN3 | 5924 BALFOUR CT STE 100 CARLSBAD, CA 92008 | AFLAC | $97 | — | $97 | 4.90% |
| JAMES M. ANDERSON3 Filed as: JAMES MICHAEL ANDERSON | 1238 CHINKAPIN PLACE FLOWER MOUND, TX 75028 | AFLAC | $32 | — | $32 | 1.62% |
| BARBARA ANN MCNAUGHTON3 | 29622 N 21ST DR PHOENIX, AZ 85085 | AFLAC | $16 | — | $16 | 0.81% |
| CHERIE E BLOODWORTH3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $13 | — | $13 | 0.66% |
| RAND G SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $11 | — | $11 | 0.56% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | AFLAC | $9 | — | $9 | 0.46% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $6 | — | $6 | 0.30% |
| H PATRICK BRUMLEY3 | 4 GLENDALE CT TROPHY CLUB, TX 76262 | AFLAC | $4 | — | $4 | 0.20% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $3 | — | $3 | 0.15% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $3 | — | $3 | 0.15% |
| JOE A DEPASQUAL3 | 403 N FM 113 WEATHERFORD, TX 76088 | AFLAC | $1 | — | $1 | 0.05% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 268 | $1.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 125 | $109K |
| Vision | VISION SERVICE PLAN | 104 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $30K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $48K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 118 | $26K |
| Other(5 contracts, 4 carriers) | AFLAC | 118 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.