Welfare broker

CREATIVE EMPLOYEE BENEFIT SERVICES

Mailing address (most recent filing)

P O BOX 83278

BATON ROUGE, LA 70884

Total comp: $56K
Commissions: $51K
Fees: $4K
Filings: 20
Sponsors: 20

Carrier mix

Where CREATIVE EMPLOYEE BENEFIT SERVICES places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNUM LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNUM LIFE INSURANCE COMPANY OF AMERICA	1	$662K	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
LA	1	$662K	0.1%	127.11x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CREATIVE EMPLOYEE BENEFIT SERVICES's plans by broker comp / premium ratio. Median 21.70% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CREATIVE EMPLOYEE BENEFIT SERVICES's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CREATIVE EMPLOYEE BENEFIT SERVICES is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GOAUTO MANAGEMENT SERVICES, LLC GOAUTO MANAGEMENT SERVICES, LLC LIFE, STD, LTD, & AD&D PLAN	LA	$662K	$144K	COLONIAL LIFE & ACCIDENT INSURANCE COMPANY

Carrier

Plans

Premium

UNUM LIFE INSURANCE COMPANY OF AMERICA

$662K

100.0%

State

Plans

Premium

State share

Index

$662K

0.1%

127.11x

Sponsor

Loc

Premium

Comp

Carrier

GOAUTO MANAGEMENT SERVICES, LLC

GOAUTO MANAGEMENT SERVICES, LLC LIFE, STD, LTD, & AD&D PLAN

$662K

$144K

COLONIAL LIFE & ACCIDENT INSURANCE COMPANY