| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVE UTICA, MI 48317 | TOTAL HEALTH CARE USA, INC. | $75K | $0 | $75K | 4.37% |
| GREGORY J LIPOSKY3 | 5435 CORPORATE DR #260 TROY, MI 48098 | PRIORITY HEALTH | $10K | $0 | $10K | 1.71% |
| PATRICIA SHALL3 | 45170 CASS AVE UTICA, MI 78317 | PRIORITY HEALTH | $490 | $0 | $490 | 0.09% |
| GREGORY J LIPOSKY3 | 5435 CORPORATE DR #260 TROY, MI 48098 | PRIORITY HEALTH | $9K | $0 | $9K | 1.88% |
| PATRICIA SHALL3 | 45170 CASS AVE UTICA, MI 48317 | PRIORITY HEALTH | $559 | $0 | $559 | 0.12% |
| GREGORY J LIPOSKY3 | 5435 CORPORATE DR #260 TROY, MI 48098 | PRIORITY HEALTH | $8K | $0 | $8K | 1.84% |
| PATRICIA SHALL3 | 45170 CASS AVE UTICA, MI 48317 | PRIORITY HEALTH | $685 | $0 | $685 | 0.16% |
| GREGORY J LIPOSKY3 | 5435 CORPORATE DR #260 TROY, MI 48098 | PRIORITY HEALTH | $12K | $0 | $12K | 3.12% |
| PATRICIA SHALL3 | 45170 CASS AVE UTICA, MI 48317 | PRIORITY HEALTH | $107 | $0 | $107 | 0.03% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY BLVD. SUITE 100 FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 2.57% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVE UTICA, MA 48317 | DELTA DENTAL OF MICHIGAN | $697 | $0 | $697 | 0.27% |
| GREGORY LIPOSKY3 | 5435 CORPORATE DR #260 TROY, MI 48098 | PRIORITY HEALTH | $4K | $0 | $4K | 1.82% |
| PATRICIA SHALL3 | 45170 CASS AVE UTICA, MI 48317 | PRIORITY HEALTH | $377 | $0 | $377 | 0.18% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $0 | $20K | 18.64% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 48170 CASS AVE UTICA, MI 48317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.02% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.61% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $785 | $0 | $785 | 1.35% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 16.57% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 Filed as: CREATIVE BENEFIT & INS. SOLUTIONS | 45170 CASS AVENUE UTICA, MI 48317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.57% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 28175 HAGGERTY ROAD SUITE 100 NOVI, MI 48377 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 16.34% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $353 | $0 | $353 | 0.83% |
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 | 470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 277 | $3.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 744 | $263K |
| Vision | TOTAL HEALTH CARE USA, INC. | 277 | $1.7M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $90K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $108K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 190 | $58K |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 277 | $1.7M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 744 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.