| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 | 42400 GARFIELD STE A CLINTON TOWNSHIP, MI 48038 | BLUE CARE NETWORK OF MICHIGAN | $35K | — | $35K | 4.53% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE AVE WASHINGTON TWNSP, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | — | $86 | $86 | 0.01% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 4.80% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE AVE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $49 | $49 | 0.04% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE RD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $10K | $172 | $11K | 9.99% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS, LLC | BYRAN BERGOLA 38233 MOUND ROAD STERLING HEIGHTS, MI 48310 | DELTA DENTAL OF MICHIGAN | — | $301 | $301 | 0.28% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.06% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $277 | $4K | 16.11% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 59259 VAN DYKE RAOD WASHINGTON, MI 48094 | VISION SERVICE PLAN | $1K | — | $1K | 5.10% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $216 | $3K | 16.40% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MN 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $236 | $3K | 16.54% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | MICHAEL D LORENZO 59259 VAN DYKE RD WASHINGTON TOWNSHIP, MI 48094 | DELTA DENTAL OF MICHIGAN | $213 | — | $213 | 7.95% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 181 | $907K |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 207 | $109K |
| Vision | VISION SERVICE PLAN | 136 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $25K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 181 | $907K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.