| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: CREATIVE BENFIT SOLUTIONS | 5435 CORPORATE DR SUITE 260 TROY, MI 48098 | COMMUNITY INSURANCE COMPANY | $1K | — | $1K | 0.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD SUITE 202 WAUKESHA, WI 53188 | COMMUNITY INSURANCE COMPANY | $388 | — | $388 | 0.09% |
| CREATIVE BENEFIT SOLUTION3 | CREATIVE BENEFIT SOLUTIONS LLC TROY, MI 48098 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 14.23% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATES | INSURANCE CONSULTING ASSOCIATE FARMINGTON HILLS, MI 48334 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNATIONAL GULF METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.58% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 202 | $319K |
| Vision | COMMUNITY INSURANCE COMPANY | 390 | $455K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 202 | $319K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 202 | $319K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 202 | $319K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 390 | $455K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 202 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.