| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 489332301 | BLUE CARE NETWORK OF MICHIGAN | $70K | $2K | $72K | 3.05% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | HUMANA INSURANCE COMPANY | $6K | $0 | $6K | 2.54% |
| BENESYS INC3 | 700 TOWER DR STE 300 TROY, MI 480982835 | HUMANA INSURANCE COMPANY | $16 | $0 | $16 | 0.01% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 511 S. WASHINGTON LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 3.12% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | LINCOLN NATIONAL LIFE INSURANCE CO. | $9K | $0 | $9K | 12.32% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | EYEMED | $7K | $0 | $7K | 14.09% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 511 SOUTH WASHINGTON AVE LANSING, MI 489332301 | EYEMED | $353 | $0 | $353 | 0.73% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 489332301 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $13 | $1K | 3.27% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $876 | $0 | $876 | 10.00% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $844 | $3K | $4K | 45.53% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $744 | $0 | $744 | 15.00% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54 | $0 | $54 | 9.94% |
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 | 257 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 327 | $2.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 494 | $240K |
| Vision | EYEMED | 493 | $49K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO. | 257 | $87K |
| Short-term disability(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO. | 152 | $81K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO. | 152 | $75K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 327 | $2.4M |
| Other(4 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 257 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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."
No prospect flags tripped on this filing.