| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS SOLUTIONS3 | 5435 CORPORATE DR STE #260 TROY, MI 48098 | MERCYCARE INSURANCE COMPANY | $5K | — | $5K | 2.27% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DR STE 260 TROY, MI 48098 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $6K | — | $6K | 3.67% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DR SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.95% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL STE 900 DENVER, CO 80202 | HUMANA HEALTH PLAN, INC. | $4K | — | $4K | 10.51% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DR SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DR STE 260 TROY, MI 48098 | HUMANADENTAL INSURANCE COMPANY | $1K | — | $1K | 8.52% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL STE 900 DENVER, CO 80202 | HUMANA INSURANCE COMPANY | $956 | — | $956 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | — | $94 | $94 | 0.98% |
| LISA M LOUDIN3 | 2129 GUILFORD RD ROCKFORD, IL 61107 | AFLAC | $576 | — | $576 | 8.16% |
| ANDREW C KRAUSS3 | 6441 GARRETT LN ROCKFORD, IL 61107 | AFLAC | $205 | — | $205 | 2.90% |
| PETER J TEKAMPE3 | 815 N CHURCH ST ROCKFORD, IL 61103 | AFLAC | $204 | — | $204 | 2.89% |
| RENEE M TRUDEAU3 | 30229 SCHOENHERR RD STE 100 WARREN, MI 48088 | AFLAC | $189 | — | $189 | 2.68% |
| MICHAEL J SKOFF3 | 815 N CHURCH ST ROCKFORD, IL 61103 | AFLAC | $60 | — | $60 | 0.85% |
| LYNETTE R STEVENS3 | 203 ASHWOOD DR SYCAMORE, IL 60178 | AFLAC | $31 | — | $31 | 0.44% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD STE BYRON, IL 61010 | AFLAC | $31 | — | $31 | 0.44% |
| VINCE SCALETTA3 | 15 N WINDSOR DR ARLINGTON HEIGHTS, IL 60004 | AFLAC | $25 | — | $25 | 0.35% |
| AMY KNUTSON3 | 421 HIGGINS DR EVANSVILLE, WI 53536 | AFLAC | $24 | — | $24 | 0.34% |
| LYNETTE R STEVENS3 | 303 N 3RD ST WYOMING, IL 61491 | AFLAC | $21 | — | $21 | 0.30% |
| CHAD L NELSON3 | 5266 KUFALK LN BYRON, IL 61010 | AFLAC | $17 | — | $17 | 0.24% |
| ORLANDO R DOBRINCU3 | 837 LINDEN CIR HOFFMAN ESTATES, IL 60169 | AFLAC | $16 | — | $16 | 0.23% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PL LOUISVILLE, KY 40245 | AFLAC | $10 | — | $10 | 0.14% |
| ADRIANA D KRAUSS3 | 6441 GARRETT LN ROCKFORD, IN 61107 | AFLAC | $8 | — | $8 | 0.11% |
| MICHAEL A ORTIZ3 | 3219 RENARD LN SAINT CHARLES, IL 60175 | AFLAC | $6 | — | $6 | 0.08% |
| JONATHAN H EVERETT3 | 1613 NEWMAN ST JANESVILLE, WI 53545 | AFLAC | $5 | — | $5 | 0.07% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $4 | — | $4 | 0.06% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $3 | — | $3 | 0.04% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $3 | — | $3 | 0.04% |
| WILLIAM F MURRAY III3 | 1298 SAINT PATRICK WAY SUN PRAIRIE, WI 53590 | AFLAC | $2 | — | $2 | 0.03% |
| LISA MARIE QUISENBERRY3 | 638 EVANS AVE SAINT LOUIS, MO 63122 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL L TRUDEAU3 | 30229 SCHOENHERR RD STE 100 WARREN, MI 48088 | AFLAC | $416 | — | $416 | 13.83% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DR STE 260 TROY, MI 48098 | AFLAC | $374 | — | $374 | 12.43% |
| RENEE M TRUDEAU3 | 30229 SCHOENHERR RD STE 100 WARREN, MI 48088 | AFLAC | $95 | — | $95 | 3.16% |
| STEPHEN A GRACIN3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $49 | — | $49 | 1.63% |
| NANCY ANN CLEMENTS3 | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $21 | — | $21 | 0.70% |
| CHARLES S HIMELHOCH JR3 | 24111 CIVIC CENTER DR APT 722 SOUTHFIELD, MI 48033 | AFLAC | $10 | — | $10 | 0.33% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER AVE STE 110 # 292 BRIGHTON, MI 48116 | AFLAC | $8 | — | $8 | 0.27% |
| MARY E MURPHY3 | 469 ANDOVER WOODS CT FENTON, MI 48430 | AFLAC | $8 | — | $8 | 0.27% |
| KATHRYN ERIN MCNEIL3 | 3405 AQUA MARINE BLVD AVON LAKE, OH 44012 | AFLAC | $7 | — | $7 | 0.23% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $7 | — | $7 | 0.23% |
| SPAZ AND GLAUB ENTERPRISES3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $6 | — | $6 | 0.20% |
| MARY E MURPHY3 | 3075 SIGNATURE BLVD APT F ANN ARBOR, MI 48103 | AFLAC | $4 | — | $4 | 0.13% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $1 | — | $1 | 0.03% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.03% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DR STE 260 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $186 | — | $186 | 9.25% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL STE 900 DENVER, CA 80202 | HUMANA INSURANCE COMPANY | $115 | — | $115 | 9.97% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DR STE 260 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $78 | — | $78 | 14.97% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MERCYCARE INSURANCE COMPANY | 37 | $372K |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 16 | $23K |
| Vision(2 contracts) | HUMANA INSURANCE COMPANY | 13 | $3K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $35K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 186 | $520K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.