Creative Center of Los Altos dba Pinewood-Oakwood School
Updated Filing received by DOL
Creative Center of Los Altos dba Pinewood-Oakwood School, an education services employer in Los Altos, California, reported 220 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 8 insurance contracts with no premium reported and $150,791 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 1, 2025, within the extension window.
Who was paid on Creative Center of Los Altos dba Pinewood-Oakwood School's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Creative Center of Los Altos dba Pinewood-Oakwood School filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Acrisure | $138,555 | $0 | $138,555 | 5 |
| Pentarisk · San Jose, CA | $12,236 | $0 | $12,236 | 4 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Life Insurance Company of North Americalong-term disability | 223 | — | $5,336 | — |
| Life Insurance Company of North Americalife | 223 | — | $3,682 | — |
| Cigna Health and Life Insurance Companyhealth | 86 | — | $41,881 | — |
| Vision Service Planvision | 151 | — | $1,242 | — |
| Kaiser Foundation Health Plan Inchealth | 162 | — | $72,804 | — |
| Delta Dental of Californiadental | 317 | — | $22,628 | — |
| Life Insurance Company of North Americashort-term disability | 223 | — | $2,482 | — |
| Life Insurance Company of North Americacoverage not coded | 223 | — | $736 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Creative Center of Los Altos dba Pinewood-Oakwood School compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 210 | 220 | +4.8% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $133,386 | $150,791 | +13.0% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Creative Center of Los Altos dba Pinewood-Oakwood School Health and Welfare Plan#501 · insurance, general assets | December 31, 2024 | October 1, 2025 | within extension | 220 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Creative Center of Los Altos dba Pinewood-Oakwood School pay in health insurance broker commissions in 2024?
Creative Center of Los Altos dba Pinewood-Oakwood School's 2024 Form 5500 reports $150,791 in broker commissions and fees across 8 insurance contracts ($150,791 in commissions, $0 in fees), with Acrisure receiving the largest share.
Is Creative Center of Los Altos dba Pinewood-Oakwood School's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Cigna Health and Life Insurance Company, Kaiser Foundation Health Plan Inc.
How does Creative Center of Los Altos dba Pinewood-Oakwood School's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Creative Center of Los Altos dba Pinewood-Oakwood School because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.