| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUGENE F LOVASCO3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 482268226 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 2.14% |
| LOVASCO CONSULTING GROUP INC3 | 535 GRISWOLD STE 1600 DETROIT, MI 482368236 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.15% |
| EUGENE F LOVASCO3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 482268226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 2.64% |
| LOVASCO CONSULTING GROUP INC3 | 535 GRISWOLD STE 1600 DETROIT, MI 482368236 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $717 | $717 | 0.09% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $541 | $8K | 11.31% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $211 | $4K | 17.16% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $183 | $16 | $199 | 3.15% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 1.75% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $13 | $13 | 0.21% |
| PANNUTO, MICHAEL P3 Filed as: PANNUTO, MICHAEL, P | 45445 MOUND ROAD SUITE 102 UTICA, MI 48317 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 1.29% |
| METRO WORKSITE SERVICES INC.3 | PO BOX 39300 REDFORD, MI 48239 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 1.24% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $169 | — | $169 | 3.62% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $105 | $8 | $113 | 2.42% |
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 | 147 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 337 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 337 | $785K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 337 | $785K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $98K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 48 | $6K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $67K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 337 | $1.7M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.