| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL EMPLOYEE BENEFITS, INC. | 511 S. WASHINGTON LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $46K | $0 | $46K | 3.08% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL EMPLOYEE BENEFITS, INC. | 511 S. WASHINGTON LANSING, MI 48933 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 7.43% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL EMPLOYEE BENEFITS, INC. | 511 S. WASHINGTON LANSING, MI 48933 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 2.61% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL EMPLOYEE BENEFITS, INC. | 511 S. WASHINGTON LANSING, MI 48933 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA INC | $150 | $0 | $150 | 1.65% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 373 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 373 | $1.5M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 373 | $1.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $143K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $143K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $143K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 373 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.