Welfare broker

CREATIVE BENEFITS & INS. SOLUTIONS

Mailing address (most recent filing)

45170 CASS AVE

UTICA, MI 48317

Total comp: $109K
Commissions: $105K
Fees: $3K
Filings: 6
Sponsors: 6

Carrier mix

Where CREATIVE BENEFITS & INS. SOLUTIONS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

DEARBORN LIFE INSURANCE COMPANY100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
DEARBORN LIFE INSURANCE COMPANY	2	$264K	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MI	2	$264K	0.1%	41.16x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CREATIVE BENEFITS & INS. SOLUTIONS's plans by broker comp / premium ratio. Median 11.78% vs welfare-wide median 6.29% (n=2).

Prospect-flag exposure · vs market baseline

Share of CREATIVE BENEFITS & INS. SOLUTIONS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-2 of 2 sponsors where CREATIVE BENEFITS & INS. SOLUTIONS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
FRANKENMUTH BAVARIAN INN, INC. FRANKENMUTH BAVARIAN INN, INC. EMPLOYEE HEALTH BENEFIT PLAN & TRUST	MI	$220K	$23K	DEARBORN LIFE INSURANCE COMPANY
QUALITY DAIRY COMPANY QUALITY DAIRY COMPANY HEALTH & WELFARE PLAN	MI	$44K	$6K	DEARBORN LIFE INSURANCE COMPANY

Carrier

Plans

Premium

DEARBORN LIFE INSURANCE COMPANY

$264K

100.0%

State

Plans

Premium

State share

Index

$264K

0.1%

41.16x

Sponsor

Loc

Premium

Comp

Carrier

FRANKENMUTH BAVARIAN INN, INC.

FRANKENMUTH BAVARIAN INN, INC. EMPLOYEE HEALTH BENEFIT PLAN & TRUST

$220K

$23K

DEARBORN LIFE INSURANCE COMPANY

QUALITY DAIRY COMPANY

QUALITY DAIRY COMPANY HEALTH & WELFARE PLAN

$44K

$6K

DEARBORN LIFE INSURANCE COMPANY