| 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 | $56K | — | $56K | 2.76% |
| LOVASCO CONSULTING GROUP INC3 | 535 GRISWOLD STE 1600 DETROIT, MI 482368236 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.11% |
| EUGENE F LOVASCO3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 482268226 | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 2.94% |
| LOVASCO CONSULTING GROUP INC3 | 535 GRISWOLD STE 1600 DETROIT, MI 482368236 | BLUE CARE NETWORK OF MICHIGAN | — | $318 | $318 | 0.09% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVE SUITE 1500 DETROIT, MI 48226 | DELTA DENTAL OF MICHIGAN | $18K | — | $18K | 9.67% |
| 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% |
| 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 | 9.08% |
| 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 | 9.19% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 482263697 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | — | $2K | 9.97% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP, INC. | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $384 | $2K | 13.00% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP, INC. | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $316 | $1K | 13.00% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP, INC. | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $148 | $30 | $178 | 18.05% |
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 | 282 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 366 | $2.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 434 | $189K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 418 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $48K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $94K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 257 | $50K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 366 | $2.4M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 258 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.