| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | — | COMPANION LIFE | $15K | — | $15K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 7.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 7.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $875 | — | $875 | 14.66% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $670 | — | $670 | 13.82% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $485 | — | $485 | 10.58% |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 438 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 430 | $89K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 431 | $58K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 277 | $509K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 430 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.