| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 489332301 | BLUE CARE NETWORK OF MICHIGAN | $53K | $2K | $55K | 2.79% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S. WASHINGTON LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 2.76% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL EMPLOYEE BENEFITS, INC. | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 10.11% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S. WASHINGTON LANSING, MI 48933 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 3.40% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S. WASHINGTON LANSING, MI 48933 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 3.64% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S. WASHINGTON LANSING, MI 48933 | EYEMED | $4K | $0 | $4K | 9.99% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $803 | $12 | $815 | 2.76% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | SUN LIFE ASSURANCE COMPANY OF CANADA | $154 | $0 | $154 | 9.92% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 292 | $2.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 488 | $266K |
| Vision | EYEMED | 468 | $41K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 234 | $136K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 234 | $136K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 234 | $136K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 292 | $2.0M |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 234 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.