| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREG LIPOSKY3 | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | — | $23K | 1.99% |
| AMY J HALL3 | 25900 WEST 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 0.89% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HIGHWAY SUITE 6 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.12% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 27750 STANSBURY BOULEVARD SUITE 100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.09% |
| GREG LIPOSKY3 | 27750 STANSBURY BOULEVARD #100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 2.00% |
| AMY J HALL3 | 25900 WEST 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.95% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSO LLC | 27750 STANSBURY BOULEVARD SUITE 100 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | — | $792 | $792 | 0.24% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HIGHWAY SUITE 6 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $437 | — | $437 | 0.13% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | STARMOUNT LIFE INSURANCE COMPANY | $7K | — | $7K | 8.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 25900 WEST 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $196 | $2K | 2.18% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $922 | $5K | 6.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 25900 WEST 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $141 | $353 | $494 | 0.63% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 25900 WEST 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $782 | $186 | $968 | 1.35% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 25900 WEST 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $914 | $76 | $990 | 3.07% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNUM INSURANCE COMPANY | $2K | — | $2K | 12.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 25900 WEST 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $542 | $45 | $587 | 3.23% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNUM INSURANCE COMPANY | $2K | — | $2K | 13.38% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 25900 WEST 11 MILE ROAD SUITE 210 SOUTHFIELD, MI 48034 | UNUM INSURANCE COMPANY | $17 | $3 | $20 | 0.13% |
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 | 424 | 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) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 340 | $1.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 176 | $81K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 340 | $1.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $104K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $78K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $72K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 340 | $1.5M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.