| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG LIPOSKY3 | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | $38K | — | $38K | 1.53% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | $1K | — | $1K | 0.06% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $20K | — | $20K | 6.75% |
| GREGORY LIPOSKY3 | 5435 CORPORATE DRIVE TROY, MI 48089 | AMFIRST | $17K | — | $17K | 8.00% |
| MWL3 | PO BOX 1407 JACKSON, MI 39236 | AMFIRST | $11K | — | $11K | 5.00% |
| JOHN KELLY3 | 4768 PARVIEW CLARKSTON, MI 48346 | AMFIRST | $6K | — | $6K | 3.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $15K | $3K | $18K | 17.77% |
| ELIZABETH A SCHENK3 | 4725 W SAND LAKE RD ORLANDO, FL 32819 | RELIANCE STANDARD | $5K | — | $5K | 5.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $11K | $2K | $13K | 17.76% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48098 | RELIANCE STANDARD | $8K | $1K | $10K | 17.74% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $3K | $1K | $5K | 13.15% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $3K | $830 | $4K | 12.89% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48098 | RELIANCE STANDARD | $1K | $249 | $1K | 18.26% |
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 | 518 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 518 | $2.7M |
| Dental | RELIANCE STANDARD | 840 | $294K |
| Vision | RELIANCE STANDARD | 840 | $294K |
| Life insurance | RELIANCE STANDARD | 809 | $101K |
| Short-term disability | RELIANCE STANDARD | 104 | $35K |
| Long-term disability | RELIANCE STANDARD | 175 | $72K |
| Other(3 contracts) | RELIANCE STANDARD | 400 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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."
No prospect flags tripped on this filing.