| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT NONEMAKER3 | PO BOX 62817 VIRGINIA BEACH, VA 234663466 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $33K | — | $33K | 2.42% |
| CREATIVE PLANNING BENEFITS LLC3 | 5440 W 110TH ST STE 100 OVERLAND PARK, KS 662111218 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 8.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.43% |
| CREATIVE PLANNING BENEFITS LLC3 Filed as: CREATIVE PLANNING BENEFITS, LLC | 5440 W 110TH STREET SUITE 100 OVERLAND PARK, KS 66211 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.54% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DR E CHARLESTON, WV 25311 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 2.00% |
| ROBERT HUGHES3 Filed as: ROBERT B HURD | 120 WEST DR N SUITE 3 MARSHALL, MI 49068 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $683 | — | $683 | 3.08% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 196 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 242 | $70K |
| Vision | EYEMED VISION CARE | 200 | $8K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $142K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $142K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 231 | $142K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 196 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.