Creative Testing Solutions
Overview
Creative Testing Solutions sponsors a self-funded health plan that covered 1,026 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 1,026 · prior year 1,014
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- Creative Testing Solutions Group Health and Welfare Insurance Plan, plan 501 (1,026 participants)
- Broker compensation
- $77K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Lincoln National Life Insurance Company | Life, Long-term disability | 948 | $585K | $26K |
| The Lincoln National Life Insurance Company | Hospital, Critical Illness, Accident | 341 | $259K | $50K |
| Aetna Life Insurance Company | Vision | 1,244 | $60K | — |
| Aetna Behavioral Health, LLC | Employee Assistance Program | 1,026 | $23K | — |
| Hartford Fire Insurance Company | Business Travel Accident | 1,026 | $850 | $174 |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 1,026 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- Creative Testing Solutions
- Sponsor EIN
- 27-1120123
- Plan number
- 501
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 27-1120123 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Creative Testing Solutions 401(k) Retirement Savings Plan
- Type
- 401(k) plan
- Participants
- 1,370
About this data
Source: Creative Testing Solutions's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Creative Testing Solutions.