| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | — | COMPANION LIFE | $18K | — | $18K | 3.00% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 6.46% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 14.18% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 7.99% |
| CREATIVE BENEFIT SOLUTION3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.03% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 50.61% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 50.58% |
| ANDREW C KRAUSS3 | 6441 GARRETT LANE ROCKFORD, IL 61107 | AFLAC | $108 | — | $108 | 4.31% |
| PETER J TEKAMPE3 | 6739 HARTWIG DRIVE CHERRY VALLEY, IL 61016 | AFLAC | $59 | — | $59 | 2.35% |
| LISA M LOUDIN3 | 2129 GUILFORD ROAD ROCKFORD, IL 61107 | AFLAC | $46 | — | $46 | 1.83% |
| LYNETTE R STEVENS3 | 303 NORTH 3RD STREET WYOMING, IL 61491 | AFLAC | $31 | — | $31 | 1.24% |
| MICHAEL L TRUDEAU3 | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | AFLAC | $14 | — | $14 | 0.56% |
| VINCE SCALETTA3 | 15 NORTH WINDSOR DRIVE ARLINGTON HEIGHTS, IL 60004 | AFLAC | $14 | — | $14 | 0.56% |
| ORLANDO R DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $13 | — | $13 | 0.52% |
| VINCE SCALETTA3 Filed as: VINCE J SCALETTA | 15 NORTH WINDSOR DRIVE ARLINGTON HEIGHTS, IL 60004 | AFLAC | $12 | — | $12 | 0.48% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LANE ELGIN, IL 60123 | AFLAC | $6 | — | $6 | 0.24% |
| RENEE M TRUDEAU3 | 7577 US HIGHWAY 12 SUITE A ONSTED, MI 49265 | AFLAC | $4 | — | $4 | 0.16% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $4 | — | $4 | 0.16% |
| STEPHEN A GRACIN3 | 625 EAST BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $3 | — | $3 | 0.12% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $119 | — | $119 | 45.08% |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 156 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 478 | $29K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 457 | $104K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 458 | $58K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 312 | $586K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 457 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.