| 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 | $98K | — | $98K | 5.20% |
| 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 | $5K | $710 | $6K | 11.44% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE | $4K | — | $4K | 10.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | VISION SERVICE PLAN | $1K | — | $1K | 5.67% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $619 | — | $619 | 5.67% |
| TREY KNIGHT HOLMES3 | 11740 DUXBURY DR FRISCO, TX 75035 | AFLAC | $149 | — | $149 | 1.37% |
| SHAWN R HOLMES3 | 11740 DUXBURY DR FRISCO, TX 75035 | AFLAC | $145 | — | $145 | 1.33% |
| CHERIE E BLOODWORTH3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $95 | — | $95 | 0.87% |
| JAMES M. ANDERSON3 Filed as: JAMES MICHAEL ANDERSON | 1238 CHINKAPIN PLACE FLOWER MOUND, TX 75028 | AFLAC | $60 | — | $60 | 0.55% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $52 | — | $52 | 0.48% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM C COVINGTON | 550 WATTERS RD STE 103 ALLEN, TX 75013 | AFLAC | $45 | — | $45 | 0.41% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $29 | — | $29 | 0.27% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $28 | — | $28 | 0.26% |
| JONI AKALA BILLINGS3 | 39415 ARDENWOOD WAY APT 1112 LAKE ELSINORE, CA 92532 | AFLAC | $20 | — | $20 | 0.18% |
| BARBARA ANN MCNAUGHTON3 | 1308 NATURE WALK BLVD SW HUNTSVILLE, AL 35824 | AFLAC | $17 | — | $17 | 0.16% |
| JONI AKALA BILLINGS3 | 23779 LA POSTA CT CORONA, CA 92883 | AFLAC | $11 | — | $11 | 0.10% |
| DEANNA B SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $10 | — | $10 | 0.09% |
| RAND G SIMKINS3 | 1237 SHAWNEE TRL CARROLLTON, TX 75007 | AFLAC | $10 | — | $10 | 0.09% |
| H PATRICK BRUMLEY3 | 4 GLENDALE CT TROPHY CLUB, TX 76262 | AFLAC | $7 | — | $7 | 0.06% |
| ROBERT PERRY EVANS JR3 | 1031 SADDLEBROOK DR LUCAS, TX 75002 | AFLAC | $4 | — | $4 | 0.04% |
| JOE A DEPASQUAL3 | 403 N FM 113 WEATHERFORD, TX 76088 | AFLAC | $2 | — | $2 | 0.02% |
| HARVEY EDWARD MCCREARY JR3 | 273 BELLWOOD DR GARLAND, TX 75040 | AFLAC | $1 | — | $1 | 0.01% |
| AHRENS 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 | $21 | — | $21 | 0.29% |
| PATRICIA A YEATS3 | PO BOX 500 COPPELL, TX 75019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.23% |
| 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 PROMONTORY POINT PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.15% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 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 | 509 SOUTH 4TH AVE 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 | $504 | $82 | $586 | 11.62% |
| JAMES H GIBBS3 | 200 APPALACHIAN WAY MCKINNEY, TX 75071 | AFLAC | $127 | — | $127 | 8.11% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $59 | — | $59 | 3.77% |
| JAMES M. ANDERSON3 Filed as: JAMES MICHAEL ANDERSON | 1238 CHINKAPIN PLACE FLOWER MOUND, TX 75028 | AFLAC | $26 | — | $26 | 1.66% |
| GREGORY LAKE JONES3 | 6400 CROSS TIMBERS RD FLOWER MOUND, TX 75022 | AFLAC | $16 | — | $16 | 1.02% |
| RALPH STARKEY3 Filed as: RALPH R STARKEY | 1413 SAN JACINTO DR FLOWERMOUND, TX 75028 | AFLAC | $15 | — | $15 | 0.96% |
| CHERIE E BLOODWORTH3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $13 | — | $13 | 0.83% |
| MOLOKAI MYLES HAND3 | 1409 S LAMAR ST APT 716 DALLAS, TX 75215 | AFLAC | $12 | — | $12 | 0.77% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $9 | — | $9 | 0.57% |
| KATHERINE A OWEN3 | 1924 ANTWERP AVE PLANO, TX 75025 | AFLAC | $6 | — | $6 | 0.38% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $6 | — | $6 | 0.38% |
| BARBARA ANN MCNAUGHTON3 | 1308 NATURE WALK BLVD SW HUNTSVILLE, AL 35824 | AFLAC | $3 | — | $3 | 0.19% |
| JOE A DEPASQUAL3 | 403 N FM 113 WEATHERFORD, TX 76088 | AFLAC | $1 | — | $1 | 0.06% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 126 | $1.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 131 | $121K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 129 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $49K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 121 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 121 | $37K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $6K |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.