| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $31K | — | $31K | 2.98% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVENUE WASHINGTON TOWNSHIP, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.12% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 3.14% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVENUE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $213 | $213 | 0.15% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 9.96% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 410 SOUTH UNION STREET TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.61% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 410 SOUTH UNION STREET TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.61% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 410 SOUTH UNION STREET TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $1K | — | $1K | 5.26% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 410 SOUTH UNION STREET TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.80% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 410 SOUTH UNION STREET TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $796 | $796 | 6.14% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 176 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 195 | $101K |
| Vision | VISION SERVICE PLAN | 123 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $38K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 176 | $1.2M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.