| 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 48226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 0.50% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 7.42% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.23% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MA 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.36% |
| CENTRO CONSULTING GROUP3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 3.18% |
| ELM STREET CAPITAL LLC3 | 5906 CARDINAL LAKE DRIVE GREENSBORO, NV 27410 | SYMETRA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 23.01% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVE STE 1500 DETROIT, MI 48266 | SYMETRA LIFE INSURANCE COMPANY | $3K | $422 | $3K | 10.49% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 7.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWIID, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $931 | $0 | $931 | 3.21% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 1 WOODWARD AVE STE 1500 DETROIT, MI 482265479 | VISION SERVICE PLAN | $915 | $0 | $915 | 5.22% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $553 | $0 | $553 | 7.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $240 | $0 | $240 | 3.21% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVE STE 1500 DETROIT, MI 48226 | METLIFE LEGAL PLANS | $475 | $0 | $475 | 9.31% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | 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 | 210 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $2.8M |
| Vision | VISION SERVICE PLAN | 144 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $91K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $29K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 196 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.