| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFITS PROGRAMS Filed as: CUSTOM BENEFITS PROGRAM INC | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46K | $14K | $61K | 5.48% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FARGO INS SVCS USA, INC | 1350 TREAT BLVD, STE 550 WALNUT CREEK, CA 94597 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 0.57% |
| CALIFORNIA CREATIVE BENEFITS Filed as: CALIFORNIA CREATIVE BENEFITS INC SV | 65 W HAMILTON AVE STE 5 CAMPBELL, CA 95008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.35% |
| CA CREATIVE BENEFITS INC. SERVICES | 1901 S. BASCOM AVE STE 880 CAMPBELL, CA 95008 | JOHN HANCOCK LIFE INSURANCE COMPANY | $13K | — | $13K | 7.46% |
| ERIC PETERS CA CREATIVE BENEFITS | 20100 ALMADEN RD SAN JOSE, CA 95120 | JOHN HANCOCK LIFE INSURANCE COMPANY | $4K | — | $4K | 2.54% |
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 | 4,798 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,798 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,650 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,650 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.