| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG LIPOSKY3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $31K | — | $31K | 4.26% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 8.32% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.42% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.17% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.14% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.23% |
| CUSTOM BENEFITS INSURANCE GROUP INC3 | 4204 MARTIN ROAD WALLED LAKE, MI 48390 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $930 | — | $930 | 15.38% |
| GREGORY J LIPOSKY4 | STE 260 5435 CORPORATE DR TROY, MI 48098 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $284 | — | $284 | 5.53% |
| STRATEGIC BENEFITS4 Filed as: STRATEGIC SERVICES INC | STE 200 245 BARCLAY CIR ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $123 | — | $123 | 2.40% |
| TRACY KATZ LLC4 | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $96 | — | $96 | 1.87% |
| ANTHONY JOSEPH MOTTER4 Filed as: ANTHONY M LLOYD INC DBA STRATE | 27064 OAKMEAD DR PERRYSBURG, OH 43551 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $68 | — | $68 | 1.33% |
| KELLY M TIMMONS4 | 56657 SCOTLAND BLVD SHELBY TOWNSHIP, MI 48316 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $40 | — | $40 | 0.78% |
| MONTEAL R BROWNE4 | 27416 SUTHERLAND ST SOUTHFIELD, MI 48076 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | — | $33 | 0.64% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 181 | $739K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $132K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 144 | $6K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $132K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $183K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $132K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 181 | $739K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.