| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 | 42400 GARFIELD STE A CLINTON TOWNSHIP, MI 48038 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 0.98% |
| BRYAN P BEGOLA3 Filed as: BRYAN BEGOLA | 38233 MOUND RD BUILDING F STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 6.86% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 1.51% |
| MICHAEL DILORENZO3 | 42400 GARFIELD STE A CLINTON TWONSHIP, MI 48038 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $883 | — | $883 | 0.98% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.14% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.87% |
| BENEFITS PARTNER LLC5 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $654 | $654 | 0.98% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE RAOD WASHINGTON, MI 48094 | VISION SERVICE PLAN | $162 | — | $162 | 0.89% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.16% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $463 | — | $463 | 3.85% |
| PATRICE C DITRAPANI3 Filed as: PATRICE C FREDERICKS | 3140 WALNUT HLS LEONARD, MI 48367 | AFLAC | $4K | — | $4K | 36.65% |
| JOSEPH FREDERICKS II3 Filed as: JOSEPH A FREDERICKS LL | 3140 WALNUT HLS LEONARD, MI 48367 | AFLAC | $1K | — | $1K | 8.82% |
| KIMBERLEY M MCNULTY3 | 22452 LAKECREST ST SAINT CLAIR SHORES, MI 48081 | AFLAC | $610 | — | $610 | 5.25% |
| PETER JAMES SARANTIS3 | 26200 TOWN CENTER DR STE 110 NOVI, MI 48375 | AFLAC | $56 | — | $56 | 0.48% |
| BENEFITS PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.11% |
| BENEFITS PARTNER LLC5 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $654 | $654 | 6.75% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $377 | — | $377 | 3.89% |
| BENEFIT PARTNER LLC3 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.20% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $339 | — | $339 | 3.79% |
| BENEFITS PARTNER LLC5 | 38233 MOUND ROAD BUILDING F STERLING HEIGHTS, MI 48310 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $176 | $176 | 1.97% |
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. |
| 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 | 146 | $700K |
| Dental | DELTA DENTAL OF MICHIGAN | 164 | $91K |
| Vision | VISION SERVICE PLAN | 102 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $12K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 146 | $700K |
| Other(2 contracts, 2 carriers) | AFLAC | 128 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.