| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS & INS. SOLUTIONS3 Filed as: CREATIVE BENEFITS & INSURANCE SOL. | 45170 CASS AVENUE UTICA, MI 48317 | TOTAL HEALTH CARE USA, INC. | $58K | $0 | $58K | 2.47% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 0.79% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | HEALTH ALLIANCE PLAN | $7K | $0 | $7K | 1.25% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER SUITE 200 TROY, MI 48084 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $0 | $19K | 15.00% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.50% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | TOTAL HEALTH CARE USA, INC. | 468 | $3.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 2,470 | $701K |
| Vision | TOTAL HEALTH CARE USA, INC. | 468 | $2.3M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 328 | $36K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 367 | $129K |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 468 | $2.3M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 328 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,470 | — |
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.