| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $724 | — | $724 | 0.42% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | HEALTH ALLIANCE PLAN | $2K | — | $2K | 2.82% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 27750 STANSBURY BOULEVARD SUITE 100 FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $661 | — | $661 | 2.78% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | DELTA DENTAL OF MICHIGAN | $77 | — | $77 | 0.32% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 Filed as: CREATIVE BENEFITS & INS SOLUTIONS | 45170 CASS AVENUE UTICA, MI 48317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.64% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 33533 W 12 MILE ROAD SUITE 100 FARMINGTON HILLS, MI 48331 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.14% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.43% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 33533 W 12 MILE ROAD SUITE 100 FARMINGTON HILLS, MI 48331 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $507 | — | $507 | 4.29% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.37% |
| INSURANCE CONSULTING ASSOCIATES LLC3 | 33533 W 12 MILE ROAD SUITE 100 FARMINGTON, MI 48331 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $345 | — | $345 | 2.98% |
| CREATIVE BENEFITS & INS. SOLUTIONS3 | 45170 CASS AVENUE UTICA, MI 48317 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $468 | — | $468 | 14.99% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 216 | $258K |
| Dental | DELTA DENTAL OF MICHIGAN | 527 | $24K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 388 | $15K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 276 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 66 | $12K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 388 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.