| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.73% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS INC | 5435 CORPORATE DR, STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.28% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.66% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS INC | 5435 CORPORATE DR, STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.05% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.78% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS INC | 5435 CORPORATE DR, STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.22% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $979 | — | $979 | 8.85% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS INC | 5435 CORPORATE DR, STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $679 | — | $679 | 6.14% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 101 E BIG BEAVER RD, STE 115 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $359 | — | $359 | 8.91% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS INC | 5435 CORPORATE DR, STE 260 TROY, MI 48098 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $245 | — | $245 | 6.08% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.