| 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 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $165K | — | $165K | 17.48% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | BLUE CROSS AND BLUE SHIELD OF ALABAMA | $56K | — | $56K | 8.08% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | VISION SERVICE PLAN | $4K | — | $4K | 1.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS CAREMARK EIN 05-0340626 CLAIMS/FEES/ADMIN RX | Claims processing; Contract Administrator Service code 12 | — | $5.5M |
| BCBS OF AL (75769) EIN 63-0103830 CLAIM ADMIN MED | Participant communication; Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $617K |
| AMERICAN BEHAVIORAL BENEFITS MANAGE EIN 63-1030881 CLAIM ADMIN EAP | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication Service code 12 | — | $220K |
| COMPSYCH EIN 35-3739783 CLAIM ADMIN EAP | Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | — | $0 |
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 | 1,344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,202 | $695K |
| Vision | VISION SERVICE PLAN | 1,138 | $211K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,341 | $945K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,341 | $945K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,344 | $972K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,344 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.