| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DR SUITE 260 TROY, MI 48098 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 0.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD SUITE 202 WAUKESHA, WI 53188 | COMMUNITY INSURANCE COMPANY | $713 | — | $713 | 0.12% |
| ASSUREDPARTNERS3 Filed as: CREATIVE BENFIT SOLUTION | CREATIVE BENEFIT SOLUTIONS LLC TROY, MI 48098 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 13.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EQUITABLE HUB INTERNATIONAL GULF METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.41% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOCIATES | INSURANCE CONSULTING ASSOCIATE FARMINGTON HILLS, MI 48334 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 4.17% |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 545 | $268K |
| Vision | COMMUNITY INSURANCE COMPANY | 644 | $591K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 545 | $268K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 545 | $268K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 644 | $591K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 545 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.