| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG LIPOSKY3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | — | $24K | 4.30% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.83% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 30600 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4K | $4K | 0.70% |
| GREG LIPOSKY3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 4.18% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.81% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 30600 NORTHWESTERN HIGHWAY SUITE 200 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.64% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $58 | $5K | 15.03% |
| BRIEDEN CONSULTING GROUP3 | 17000 KERCHEVAL SUITE 210 GROSSE POINTE, MA 48230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$639 | — | -$639 | -1.93% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $17 | $3K | 17.18% |
| BRIEDEN CONSULTING GROUP3 | 17000 KERCHEVAL SUITE 210 GROSSE POINTE, MI 48230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$227 | — | -$227 | -1.38% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $42 | $2K | 28.11% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 53 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 83 | $280K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 99 | $54K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 174 | $553K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $7K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $33K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 83 | $280K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.