| 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 | — | $139K | $139K | 5.26% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | LINCOLN NATION LIFE INSURANCE COMPANY | $13K | $1K | $14K | 10.78% |
| 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 | $10K | — | $10K | 8.00% |
| 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 | $2K | $8K | 13.45% |
| 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 | $1K | $5K | 12.27% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.17% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD STE 300 VALENCIA, CA 91355 | LEGALPLANS, USA | $457 | — | $457 | 9.99% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $2.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $126K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $126K |
| Life insurance | LINCOLN NATION LIFE INSURANCE COMPANY | 266 | $58K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 202 | $44K |
| Long-term disability | LINCOLN NATION LIFE INSURANCE COMPANY | 266 | $129K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $2.6M |
| Other(3 contracts, 3 carriers) | LINCOLN NATION LIFE INSURANCE COMPANY | 266 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.