| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | — | COMPANION LIFE | $104K | — | $104K | 18.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $2K | $34K | 9.77% |
| MICHIGAN PLANNERS, INC.3 | 42400 GARFIELD ROAD SUITE A CLINTON TOWNSHIP, MI 48038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.82% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $733 | $15K | 13.21% |
| MICHIGAN PLANNERS, INC.3 | 42400 GARFIELD ROAD SUITE A CLINTON TOWNSHIP, MI 48038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.56% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPAY OF AMERICA | $1K | — | $1K | 4.97% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNUM LIFE INSURANCE COMPAY OF AMERICA | $1K | — | $1K | 4.58% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $430 | — | $430 | 3.97% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $270 | — | $270 | 2.49% |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 468 | $62K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $349K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $349K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $349K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE | 464 | $576K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 76 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.