| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 482265479 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $23K | $2K | $26K | 2.38% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 1.08% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 482265479 | BLUE CARE NETWORK OF MICHIGAN | $7K | $704 | $7K | 2.86% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN RD SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 1.13% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP INC. | ONE WOODWARD AVE STE 1500 DETROIT, MI 48226 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 10.11% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVE STE 1500 DETROIT, MI 48226 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 6.03% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP, INC. | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 482263697 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 5.62% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE, SUITE 1500 DETROIT, MI 482263697 | BLUE CROSS BLUE SHIELD OF IL | $737 | — | $737 | 3.07% |
| 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 | 8.85% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 226 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 276 | $127K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 287 | $11K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 206 | $139K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 206 | $139K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 206 | $139K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 226 | $1.4M |
| Other | AETNA LIFE INSURANCE COMPANY | 206 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.