| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $7K | — | $7K | 3.82% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PLACE SUITE 900 DENVER, CO 80202 | HUMANA HEALTH PLAN, INC. | $5K | — | $5K | 8.61% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.05% |
| CREATIVE BENEFITS SOLUTIONS3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | MERCYCARE INSURANCE COMPANY | $250 | — | $250 | 0.85% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | HUMANADENTAL INSURANCE COMPANY | $1K | — | $1K | 9.48% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PLACE SUITE 900 DENVER, CO 80202 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | — | $110 | $110 | 1.05% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $295 | — | $295 | 10.87% |
| MICHAEL L TRUDEAU3 | 30229 SCHOENHERR ROAD SUITE 100 WARREN, MI 48088 | AFLAC | $63 | $59 | $122 | 5.57% |
| RENEE M TRUDEAU3 | 30229 SCHOENHERR ROAD SUITE 100 WARREN, MI 48088 | AFLAC | $15 | $12 | $27 | 1.23% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | AFLAC | $26 | — | $26 | 1.19% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $10 | $12 | $22 | 1.00% |
| ANDREW C KRAUSS3 | 6441 GARRETT LANE ROCKFORD, IL 61107 | AFLAC | $17 | — | $17 | 0.78% |
| NANCY ANN CLEMENTS3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $13 | — | $13 | 0.59% |
| PETER J TEKAMPE3 | 815 NORTH CHURCH STREET ROCKFORD, IL 61103 | AFLAC | $9 | — | $9 | 0.41% |
| MARY E MURPHY3 | 3111 SCENIC LAKE DRIVE APARTMENT 23 ANN ARBOR, MI 48108 | AFLAC | $9 | — | $9 | 0.41% |
| CHARLES S HIMELHOCH JR3 | 24111 CIVIC CENTER DRIVE APARTMENT 722 SOUTHFIELD, MI 48033 | AFLAC | $8 | — | $8 | 0.37% |
| LISA M LOUDIN3 | 2129 GUILFORD ROAD ROCKFORD, IN 61107 | AFLAC | $7 | — | $7 | 0.32% |
| KRAIG M SEXTON3 | 9864 EAST GRAND RIVER AVENUE SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $6 | — | $6 | 0.27% |
| KATHRYN ERIN MCNEIL3 | 3405 AQUA MARINE BOULEVARD AVON LAKE, OH 44012 | AFLAC | $6 | — | $6 | 0.27% |
| TLANDA MCDONALD3 | 1855 TIVERTON ROAD BLOOMFIELD HILLS, MI 48304 | AFLAC | $5 | — | $5 | 0.23% |
| LYNETTE R STEVENS3 | 303 NORTH 3RD STREET WYOMING, IL 61491 | AFLAC | $5 | — | $5 | 0.23% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, WI 49615 | AFLAC | $4 | — | $4 | 0.18% |
| VINCE SCALETTA3 | 15 NORTH WINDSOR DRIVE ARLINGTON HEIGHTS, IL 60004 | AFLAC | $4 | — | $4 | 0.18% |
| ORLANDO R DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $2 | — | $2 | 0.09% |
| MICHAEL A ORTIZ3 | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $1 | — | $1 | 0.05% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.05% |
| LISA M LOUDIN3 | 2129 GUILFORD ROAD ROCKFORD, IL 61107 | AFLAC | $108 | $21 | $129 | 6.51% |
| ANDREW C KRAUSS3 | 6441 GARRETT LANE ROCKFORD, IL 61107 | AFLAC | $62 | — | $62 | 3.13% |
| PETER J TEKAMPE3 | 815 NORTH CHURCH STREET ROCKFORD, IL 61103 | AFLAC | $54 | $4 | $58 | 2.92% |
| RENEE M TRUDEAU3 | 30229 SCHOENHERR ROAD SUITE 100 WARREN, MI 48088 | AFLAC | $36 | $16 | $52 | 2.62% |
| LYNETTE R STEVENS3 | 303 NORTH 3RD STREET WYOMING, IL 61491 | AFLAC | $18 | — | $18 | 0.91% |
| MICHAEL J SKOFF3 | 815 NORTH CHURCH STREET ROCKFORD, IL 61103 | AFLAC | $12 | $4 | $16 | 0.81% |
| VINCE SCALETTA3 | 15 NORTH WINDSOR DRIVE ARLINGTON HEIGHTS, IL 60004 | AFLAC | $12 | — | $12 | 0.61% |
| ORLANDO R DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $7 | — | $7 | 0.35% |
| DENNIS J CASSENS3 | 4646 EAST MARRILL ROAD SUITE 1 BYRON, IL 61010 | AFLAC | $4 | — | $4 | 0.20% |
| MICHAEL A ORTIZ3 | 3219 RENARD LANE SAINT CHARLES, IL 60175 | AFLAC | $3 | — | $3 | 0.15% |
| CHAD L NELSON3 | 5266 NORTH KUFALK LANE BYRON, IL 61010 | AFLAC | $2 | — | $2 | 0.10% |
| AMY KNUTSON3 | 421 HIGGINS DRIVE EVANSVILLE, WI 53536 | AFLAC | $2 | — | $2 | 0.10% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | 0.10% |
| ADRIANA D KRAUSS3 | 6441 GARRETT LANE ROCKFORD, IL 61107 | AFLAC | $1 | — | $1 | 0.05% |
| GLEN T SCHWEIKERT3 | 2211 HIGHLAND SPRINGS PLACE LOUISVILLE, KY 40245 | AFLAC | $1 | — | $1 | 0.05% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PL STE 900 DENVER, CA 80202 | HUMANA INSURANCE COMPANY | $135 | — | $135 | 10.00% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 11 | $217K |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 24 | $23K |
| Vision(2 contracts) | HUMANA INSURANCE COMPANY | 21 | $4K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 262 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 262 | $21K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 167 | $533K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 262 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
No prospect flags tripped on this filing.