| 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 | BLUE CROSS BLUE SHIELD OF FLORIDA | $104K | — | $104K | 5.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 8.00% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $241 | — | $241 | 0.15% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | LINCOLN NATION LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVE STANFORD STE 300 VALENCIA, CA 91355 | LINCOLN NATION LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 21.33% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | LEGALPLANS, USA | $367 | — | $367 | 10.01% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 174 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $163K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $163K |
| Life insurance | LINCOLN NATION LIFE INSURANCE COMPANY | 245 | $55K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $39K |
| Long-term disability | LINCOLN NATION LIFE INSURANCE COMPANY | 245 | $135K |
| Other(3 contracts, 3 carriers) | LINCOLN NATION LIFE INSURANCE COMPANY | 245 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.