| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUGENE F LOVASCO3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 482268226 | BLUE CARE NETWORK OF MICHIGAN | $69K | — | $69K | 4.99% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE SUITE 1500 DETROIT, MI 482368236 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.07% |
| EUGENE F LOVASCO3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 482268226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 4.84% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE SUITE 1500 DETROIT, MI 482268226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.26% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $544 | $7K | 9.82% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $219 | $5K | 15.75% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $111 | $2K | 16.11% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $171 | $5 | $176 | 1.69% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $91 | $1K | 13.00% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $76 | $76 | 0.83% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $1 | $51 | 0.56% |
| PANNUTO, MICHAEL P3 Filed as: PANNUTO, MICHAEL, P | 34656 GIANNETTI DR STERLING HTS, MI 48312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 1.23% |
| METRO WORKSITE SERVICES INC.3 | PO BOX 39300 REDFORD, MI 48239 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 1.21% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 361 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 361 | $757K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 361 | $757K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $73K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 361 | $2.1M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.