| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DILORENZO | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $48K | $0 | $48K | 5.28% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $796 | $796 | 0.09% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DILORENZO | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $15K | $0 | $15K | 5.36% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVE WASHINGTON TOWNSHIP, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $0 | $261 | $261 | 0.09% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DILORENZO | 59259 VAN DYKE AVE WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 6.33% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MICHIGAN PLANNERS, INC.3 | 410 S UNION ST TRAVERSE CITY, MI 49684 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.47% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 139 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 197 | $85K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $18K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $41K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 199 | $29K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $37K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 139 | $1.2M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.