Form 5500 · Employee benefit plan · ORION, MI
CREATIVE TECHNIQUES, INC.
The filing calls this plan CREATIVE TECHNIQUES, INC. BENEFIT PLAN.
CREATIVE TECHNIQUES, INC. of ORION, MI insures health, dental, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is MARY JO LEFEVRE. Coverage is written through PRIORITY HEALTH and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-5669177 · plan 501 · plan year 2025, filed Sep 30, 2025
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 4 insured contracts covering health, dental, life and disability; the largest, with PRIORITY HEALTH, covers 109 people.
Reported premium across the insured contracts is $259,481, with $12,065 in disclosed broker commissions — about 4.6% of premium.
The most recent policy period ended in December, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
MARY JO LEFEVRE is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including PRIORITY HEALTH, PRIORITY HEALTH INSURANCE COMPANY, LIFE INSURANCE COMPANY OF NORTH AMERICA and DELTA DENTAL OF MICHIGAN. PRIORITY HEALTH writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRIORITY HEALTH | Health | 109 | Jan 1, 2025 | $145,663 | $5,826 |
| PRIORITY HEALTH INSURANCE COMPANY | Health | 53 | Jan 1, 2025 | $88,101 | $3,524 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life, Disability | 131 | Jan 1, 2025 | $13,036 | $1,955 |
| DELTA DENTAL OF MICHIGAN | Dental | 167 | Jan 1, 2025 | $12,681 | $760 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 192. For the contract year on this filing, the carrier reported $12,681 in premium earned and $9,455 in claims incurred. Dividing one by the other gives 75%.
- DELTA DENTAL OF MICHIGAN, contract 192 reported $2,398 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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