| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG LIPOSKY3 | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | $47K | — | $47K | 1.74% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | — | — | $0 | 0.00% |
| RICHARD CHELTEN3 | 4768 PARVIEW CLARKSTON, MI 48346 | STANDARD LIFE & ACCIDENT | $47K | — | $47K | 13.00% |
| GREGORY LIPOSKY3 | 5435 CORPORATE DRIVE TROY, MI 48098 | STANDARD LIFE & ACCIDENT | $18K | — | $18K | 5.00% |
| MWL3 | PO BOX 14067 JACKSON, MI 392364067 | STANDARD LIFE & ACCIDENT | $18K | — | $18K | 5.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48098 | RELIANCE STANDARD | $3K | — | $3K | 1.07% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $16K | $219 | $16K | 22.19% |
| ELIZABETH SCHENK3 | 6900 TURKEY LANE ROAD SUITE 200 ORLANDO, FL 32819 | RELIANCE STANDARD | $2K | — | $2K | 2.30% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $9K | $168 | $9K | 16.64% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $6K | $122 | $7K | 16.62% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $19K | $82 | $19K | 65.65% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $1K | $20 | $1K | 16.51% |
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 | 799 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 799 | $3.1M |
| Dental | RELIANCE STANDARD | 844 | $295K |
| Vision | RELIANCE STANDARD | 844 | $295K |
| Life insurance | RELIANCE STANDARD | 700 | $72K |
| Long-term disability | RELIANCE STANDARD | 164 | $56K |
| Other(3 contracts) | RELIANCE STANDARD | 411 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 844 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.