| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 | 59259 VAN DYKE AVE WASHINGTON TOWNSHIP, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $45K | $0 | $45K | 2.96% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVE WASHINGTON TOWNSHIP, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.10% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE AVE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 2.81% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON TOWNSHIP, MI 48094 | DELTA DENTAL OF MICHIGAN | $13K | $0 | $13K | 9.90% |
| MICHIGAN PLANNERS, INC.3 | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 15.00% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.99% |
| MICHIGAN PLANNERS, INC.3 | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| 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 | 4.30% |
| MICHIGAN PLANNERS, INC.3 | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.28% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 410 S UNION ST TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.03% |
| MICHIGAN PLANNERS, INC.3 | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 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 | $835 | $835 | 3.91% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 234 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 250 | $130K |
| Vision | VISION SERVICE PLAN | 150 | $25K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 185 | $130K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $47K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 234 | $1.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.