| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG LIPOSKY3 | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | $24K | — | $24K | 1.09% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | $3K | — | $3K | 0.11% |
| GREG LIPOSKY | 27750 STANSBURY #100 FARMINGTON HILLS, MI 483348334 | BLUE CROSS BLUE SHIELD | $26K | — | $26K | 1.21% |
| INSURANCE CONSULTING ASSOCIATES LLC Filed as: INSURANCE CONSULTING ASSOC | 30600 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 483348334 | BLUE CROSS BLUE SHIELD | $4K | — | $4K | 0.17% |
| GREG LIPOSKY | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | $16K | — | $16K | 3.98% |
| GREG LIPOSKY | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD | $2K | — | $2K | 0.52% |
| INSURANCE CONSULTING ASSOCIATES LLC Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | RELIANCE STANDARD | $35K | — | $35K | 9.40% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | RELIANCE STANDARD | $17K | — | $17K | 13.55% |
| ELIZABETH A SCHENK3 | 4725 W SAND LAKE RD ORLANDO, FL 32819 | RELIANCE STANDARD | $6K | — | $6K | 5.00% |
| CREATIVE BENEFITS, INC.7 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $2K | — | $2K | 1.45% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | RELIANCE STANDARD | $14K | — | $14K | 13.86% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $1K | — | $1K | 1.14% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | RELIANCE STANDARD | $14K | — | $14K | 13.99% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $981 | — | $981 | 1.01% |
| DIRECTPATH, LLC4 Filed as: DIRECTPATH HEALTH | 120 18TH STREET S. SUITE 102 BIRMINGHAM, AL 35215 | RELIANCE STANDARD | $32K | — | $32K | 46.58% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | RELIANCE STANDARD | $14K | — | $14K | 19.96% |
| ELIZABETH A SCHENK5 | 4725 W SAND LAKE RD ORLANDO, FL 32819 | RELIANCE STANDARD | $3K | — | $3K | 4.75% |
| CREATIVE BENEFITS, INC.4 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $339 | — | $339 | 0.49% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH HEALTH | 120 18TH STREET S. SUITE 102 BIRMINGHAM, AL 48334 | RELIANCE STANDARD | $28K | — | $28K | 46.70% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | RELIANCE STANDARD | $12K | — | $12K | 20.01% |
| ELIZABETH A SCHENK3 | 4725 W SAND LAKE RD ORLANDO, FL 32819 | RELIANCE STANDARD | $3K | — | $3K | 4.77% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48089 | RELIANCE STANDARD | $279 | — | $279 | 0.47% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY FARMINGTON HILLS, MI 48334 | RELIANCE STANDARD | $1K | — | $1K | 13.67% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE TROY, MI 48098 | RELIANCE STANDARD | $131 | — | $131 | 1.34% |
| INSURANCE CONSULTING ASSOCIATES LLC7 Filed as: INSURANCE CONSULTING ASSOC | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | RELIANCE STANDARD | $618 | — | $618 | 10.65% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | RELIANCE STANDARD | $252 | — | $252 | 4.34% |
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 | 408 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 408 | $2.2M |
| Dental | RELIANCE STANDARD | 1,157 | $373K |
| Vision | RELIANCE STANDARD | 1,157 | $373K |
| Life insurance | RELIANCE STANDARD | 355 | $128K |
| Short-term disability | RELIANCE STANDARD | 42 | $69K |
| Long-term disability(2 contracts) | RELIANCE STANDARD | 55 | $103K |
| Other(3 contracts) | RELIANCE STANDARD | 121 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,157 | — |
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.