Form 5500 · Employee benefit plan · ADRIAN, MI
CREEK ENTERPRISE, INC.
The filing calls this plan CREEK ENTERPRISE, INC. WRAP PLAN.
CREEK ENTERPRISE, INC. of ADRIAN, MI is a 169-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is ROBERT J KROHL. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 02-0685190 · plan 511 · plan year 2025, filed Jun 30, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits.
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.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 235 people.
Reported premium across the insured contracts is $2,216,833, with $74,741 in disclosed broker commissions — about 3.4% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in November. The plan is on a split renewal cycle.
ROBERT J KROHL is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, UNITEDHEALTHCARE INSURANCE COMPANY and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Vision | 235 | Jan 1, 2026 | $2,111,419 | $63,123 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Life, Disability | 130 | Dec 1, 2025 | $54,830 | $6,799 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 113 | Jan 1, 2026 | $50,584 | $4,819 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 402624. For the contract year on this filing, the carrier reported $2,111,419 in premium earned and $2,089,177 in claims incurred. Dividing one by the other gives 99%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 402624 reported $533,887 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.
Reported to OSHA
Reported to OSHA for 2025: 168 employees, 1 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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