| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUGENE F LOVASCO3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 482268226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $73K | — | $73K | 3.04% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 482368226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.09% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 1 WOODWARD AVE SUITE 1500 DETROIT, MI 48226 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 5.23% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP, INC. | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP, INC. | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.07% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP, INC. | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 482263697 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $1K | — | $1K | 9.93% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP, INC. | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $396 | $2K | 12.99% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $396 | — | $396 | 3.00% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP, INC. | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $342 | $1K | 13.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $342 | — | $342 | 3.00% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP, INC. | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $145 | $29 | $174 | 17.99% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29 | — | $29 | 3.00% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 408 | $2.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 396 | $150K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 383 | $15K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $42K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $91K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $51K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 408 | $2.4M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.