| 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 | $63K | $2K | $65K | 3.05% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 511 S. WASHINGTON LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 3.00% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 9.66% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 3.60% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 3.83% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 511 SOUTH WASHINGTON AVE LANSING, MI 489332301 | EYEMED | $4K | $0 | $4K | 10.03% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | EYEMED | $2K | $0 | $2K | 5.49% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 489332301 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $932 | $13 | $945 | 3.01% |
| CENTENNIAL GROUP BENEFITS0 Filed as: THE CENTENNIAL GROUP | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | SUN LIFE ASSURANCE COMPANY OF CANADA | $156 | $0 | $156 | 10.02% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 608 S. WASHINGTON AVE, STE 200 LANSING, MI 48933 | EYEMED | $14 | $0 | $14 | — |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 511 S. WASHINGTON LANSING, MI 489332301 | EYEMED | $12 | $0 | $12 | — |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 98 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CARE NETWORK OF MICHIGAN | 294 | $2.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 483 | $237K |
| Vision(2 contracts) | EYEMED | 464 | $37K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 247 | $141K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 247 | $141K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 247 | $141K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 294 | $2.2M |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 247 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.