| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | — | COMPANION LIFE | $17K | — | $17K | 3.00% |
| 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. | $8K | — | $8K | 2.60% |
| 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 | 3.23% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PLACE SUITE 900 DENVER, CO 80202 | HUMANA HEALTH PLAN, INC. | $7K | — | $7K | 7.85% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.58% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.29% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MA 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| CREATIVE BENEFITS SOLUTIONS3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | MERCYCARE INSURANCE COMPANY | $350 | — | $350 | 1.97% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | HUMANADENTAL INSURANCE COMPANY | $1K | — | $1K | 8.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $4K | $127 | $4K | 21.29% |
| ASSURED EQUITY MANAGEMENT CORP3 | 1800 GLENARM PLACE SUITE 900 DENVER, CA 80202 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 10.46% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | HUMANADENTAL INSURANCE COMPANY | $1K | — | $1K | 9.66% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $438 | — | $438 | 11.02% |
| ANDREW C KRAUSS3 | 6441 GARRETT LANE ROCKFORD, IL 61107 | AFLAC | $116 | — | $116 | 3.58% |
| LISA M LOUDIN3 | 2129 GUILFORD ROAD ROCKFORD, IA 61107 | AFLAC | $50 | — | $50 | 1.54% |
| PETER J TEKAMPE3 | 815 NORTH CHURCH STREET ROCKFORD, IL 61103 | AFLAC | $45 | — | $45 | 1.39% |
| LYNETTE R STEVENS3 | 303 NORTH 3RD STREET WYOMING, IL 61491 | AFLAC | $33 | — | $33 | 1.02% |
| VINCE SCALETTA3 | 15 NORTH WINDSOR DRIVE ARLINGTON HEIGHTS, IL 60004 | AFLAC | $27 | — | $27 | 0.83% |
| NANCY ANN CLEMENTS3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $23 | — | $23 | 0.71% |
| MICHAEL L TRUDEAU3 | 30229 SCHOENHERR ROAD SUITE 100 WARREN, MA 48088 | AFLAC | $19 | — | $19 | 0.59% |
| PETER J TEKAMPE3 | 6739 HARTWIG DRIVE CHERRY VALLEY, IL 61016 | AFLAC | $18 | — | $18 | 0.56% |
| ORLANDO R DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $14 | — | $14 | 0.43% |
| MICHAEL A ORTIZ3 | 4119 CORNFLOWER ROAD POPLAR GROVE, IL 61065 | AFLAC | $6 | — | $6 | 0.19% |
| RENEE M TRUDEAU3 | 30229 SCHOENHERR ROAD SUITE 100 WARREN, MI 48088 | AFLAC | $5 | — | $5 | 0.15% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $4 | — | $4 | 0.12% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MN 48083 | AFLAC | $4 | — | $4 | 0.12% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | HUMANA INSURANCE COMPANY | $243 | — | $243 | 10.92% |
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 | 594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 83 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 19 | $539K |
| Dental(3 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 40 | $50K |
| Vision(3 contracts) | HUMANA INSURANCE COMPANY | 34 | $24K |
| Life insurance(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 481 | $107K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 481 | $54K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE | 259 | $658K |
| Other(8 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 481 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.