| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $36K | $0 | $36K | 4.39% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $0 | $266 | $266 | 0.03% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | $0 | $25K | 4.42% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $876 | $876 | 0.16% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 4.75% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.10% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.04% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $727 | $727 | 1.50% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.32% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.10% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $678 | $678 | 1.50% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 9.99% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $448 | $448 | 4.06% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $166 | $166 | 1.50% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 120 | $1.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 215 | $90K |
| Vision(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 215 | $103K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $11K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 120 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.