Form 5500 · Employee benefit plan · WESTBROOK, ME
CREATIVE WORK SYSTEMS
CREATIVE WORK SYSTEMS of WESTBROOK, ME insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is PAQUIN & CARROLL LLC. Coverage is written through HARVARD PILGRIM HEALTH CARE and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 01-0280723 · plan 508 · as of Aug 2026
Plan brief
Schedule A lists 4 insured contracts covering health, dental, vision, life and disability; the largest, with HARVARD PILGRIM HEALTH CARE, covers 249 people.
Reported premium across the insured contracts is $2,099,725, with $54,547 in disclosed broker commissions — about 2.6% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
PAQUIN & CARROLL LLC is the broker of record on 3 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing — HARVARD PILGRIM HEALTH CARE, HARTFORD LIFE AND ACCIDENT, AMERITAS LIFE INSURANCE CORP. and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA — with HARVARD PILGRIM HEALTH CARE writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARVARD PILGRIM HEALTH CARE | Health | 249 | December | $1,952,652 | $42,900 |
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 274 | December | $117,987 | $9,799 |
| AMERITAS LIFE INSURANCE CORP. | Vision | 319 | December | $18,483 | $1,848 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 172 | December | $10,603 | $0 |
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