| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $72K | $72K | 3.32% |
| ALKALI LLC3 Filed as: ALKALI, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 0.85% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 0.42% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FIN AND INS | — | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | 5.79% |
| ALKALI LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 3.36% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | — | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | 0.85% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOC FINANCIAL | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.80% |
| ALKALI BENEFITS AND INSU3 | 2301 OHIO DR STE 260 PLANO, TX 75094 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.38% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 101809 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $520 | — | $520 | 0.82% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC | 2301 OHIO DRIVE SUITE 260 PLANO, TX 75093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $341 | — | $341 | 0.94% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE | $2K | — | $2K | 10.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | VISION SERVICE PLAN | $758 | — | $758 | 4.30% |
| ALKALI LLC3 Filed as: ALKALI, LLC | 2301 OHIO DR STE 260 PLANO, TX 75093 | VISION SERVICE PLAN | $210 | — | $210 | 1.19% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. DBA INTEGRO INSURA | 3620 BIRCH ST STE 1 NEWPORT BEACH, CA 92660 | VISION SERVICE PLAN | $53 | — | $53 | 0.30% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOC FINANCIAL | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $353 | — | $353 | 6.66% |
| ALKALI BENEFITS AND INSU3 Filed as: ALKALI BENEFITS AND INSUR | 2301 OHIO DR STE 260 PLANO, TX 75094 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $132 | — | $132 | 2.49% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 101809 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45 | — | $45 | 0.85% |
| AHRENS BENEFITS COMMUNICATIONS INC3 | 4911 HOLLY TREE DR DALLAS, TX 75287 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | — | $55 | 1.27% |
| GLADY R ROWAN3 | 202 W LOUISIANA MCKINNEY, TX 75069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.51% |
| PATRICIA A YEATS3 | PO BOX 500 COPPELL, TX 75019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.39% |
| CAROL A BAKER3 | 2318 PROMONTORY POINT PLANO, TX 75075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | 1100 E 6600 S SALT LAKE CITY, UT 84121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.32% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.12% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL OF NORTH TEXAS INSURANCE G | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| VOLUNTARY SOLUTIONS INC3 | 509 SOUTH 4TH AVE BRIGHTON, CO 80601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $2.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 127 | $147K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 123 | $42K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $64K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 127 | $23K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $24K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.