| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FIN & INS SVCS | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $132K | $132K | 5.76% |
| 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 | $11K | — | $11K | 7.38% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.01% |
| 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 | $3K | $16K | 11.84% |
| 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 | $1K | $7K | 11.82% |
| 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 | $753 | $5K | 11.69% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.63% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | LEGALPLANS, USA | $464 | — | $464 | 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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 290 | $2.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $148K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $148K |
| Life insurance | LINCOLN NATION LIFE INSURANCE COMPANY | 250 | $61K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $45K |
| Long-term disability | LINCOLN NATION LIFE INSURANCE COMPANY | 250 | $138K |
| Other(3 contracts, 3 carriers) | LINCOLN NATION LIFE INSURANCE COMPANY | 250 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.