| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MA 48226 | SYMETRA LIFE INSURANCE COMPANY | $3K | $265 | $3K | 10.93% |
| ELM STREET CAPITAL LLC3 | 5906 CARDINAL LAKE DRIVE GREENSBORO, NC 27410 | SYMETRA LIFE INSURANCE COMPANY | — | $384 | $384 | 1.47% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 1 WOODWARD AVE STE 1500 DETROIT, MI 482265479 | VISION SERVICE PLAN | $900 | — | $900 | 6.46% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $884 | — | $884 | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 10281 | ZURICH AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $2.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 294 | $138K |
| Vision | VISION SERVICE PLAN | 122 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $116K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $34K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 264 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.