| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 535 GRISWOLD ST STE 1600 DETROIT, MI 48226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $68K | — | $68K | 8.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) DBA BENEFITMAL | 4851 LBJ FWY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.71% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 535 GRISWOLD ST DETROIT, MI 48226 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 4.68% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 535 GRISWOLD ST STE 1600 DETROIT, MI 48226 | SUN LIFE INSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.29% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | SUN LIFE INSURANCE COMPANY OF CANADA | — | $2K | $2K | 2.89% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 535 GRISWOLD ST STE 1600 DETROIT, MI 482263697 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
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 | 236 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 501 | $767K |
| Dental | DELTA DENTAL OF MICHIGAN | 545 | $192K |
| Vision | VISION SERVICE PLAN | 189 | $34K |
| Life insurance | SUN LIFE INSURANCE COMPANY OF CANADA | 237 | $81K |
| Short-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 237 | $81K |
| Long-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 237 | $81K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 501 | $767K |
| Other | SUN LIFE INSURANCE COMPANY OF CANADA | 237 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.