| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN J HETTRICK3 Filed as: STEPHEN N MCCAIN | 27750 STANSBURY DR #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $34K | — | $34K | 17.18% |
| JOSEPH A KING3 | 1707 W BIG BEAVER RD TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 1.65% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W FOURTH STREET STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.57% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.21% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES | 1707 W. BIG BEAVER RD TROY, MI 48084 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.45% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 16.55% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W. BIG BEAVER RD TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.45% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS, LLC | 5435 CORPORATE DRIVE, SUITE 260 TROY, MI 48098 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $875 | — | $875 | 8.24% |
| TIMBERLAND GROUP SERVICES, INC.3 | 1707 W. BIG BEAVER RD. TROY, MI 48084 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $187 | — | $187 | 1.76% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DR SUITE 260 TROY, MI 48098 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 30.96% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GRP | 400 W FOURTH ST, STE 300 TROY, MI 48067 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $179 | $12 | $191 | 2.73% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W. BIG BEAVER RD. TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25 | — | $25 | 0.36% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATION DRIVE #260 TROY, MI 48098 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $485 | — | $485 | 16.88% |
| TIMBERLAND GROUP SERVICES, INC.3 Filed as: TIMBERLAND GROUP SERVICES INC | 1707 W. BIG BEAVER RD TROY, MI 48084 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89 | — | $89 | 3.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing; Float revenue; Other fees; Contract Administrator; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Insurance services Service code 12 | — | $82K |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $87K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 129 | $11K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $41K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $87K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $87K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 103 | $197K |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.