Plan Ledger DOL Form 5500 · updated monthly

Creative Work Systemsbenefits

Creative Work Systems Health & Welfare Plan · WESTBROOK, ME · plan year 2025

Broker compensation reported · 2025
$63,000

Creative Work Systems's benefits plans covered 338 active participants in 2025, providing health · life · dental · vision · short-term disability · long-term disability · other. Insurance brokers and agents were paid $63,000 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That is $186 per covered person, below the median for employer plans that report broker pay. Broker pay rose 7.1% from $58,833 in 2024.

Insurance contracts · 20254
HARVARD PILGRIM HEALTH CARE · health hmo ppopremiums n/a · 249 covered
AMERITAS LIFE INSURANCE CORP. · visionpremiums n/a · 319 covered
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA · dentalpremiums n/a · 172 covered
HARTFORD LIFE AND ACCIDENT · life std ltdpremiums n/a · 274 covered
Brokers & agents paid · 20251
PAQUIN & CARROLL LLC$63,000 · incl $8,453 fees

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 010280723 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.