| 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 CARE NETWORK OF MICHIGAN | $30K | $852 | $31K | 1.81% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S. WASHINGTON LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $6K | $627 | $7K | 3.04% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S. WASHINGTON LANSING, MI 489332301 | HUMANA INSURANCE COMPANY | $7K | $0 | $7K | 3.68% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL EMPLOYEE BENEFITS, INC. | 511 S. WASHINGTON LANSING, MI 48933 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $2K | $16K | 12.43% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S. WASHINGTON LANSING, MI 48933 | EYEMED | $4K | $0 | $4K | 10.00% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL EMPLOYEE BENEFITS, INC. | 511 S. WASHINGTON LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $476 | $6 | $482 | 1.73% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 285 | $1.9M |
| Dental(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 465 | $2.0M |
| Vision(3 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 461 | $1.8M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $126K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $126K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $126K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 285 | $1.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.