| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 Filed as: MICHAEL J DILORENZO | 59259 VAN DYKE WASHINGTON, MI 48094 | PRIORITY HEALTH | $74K | — | $74K | 2.99% |
| MICHAEL DILORENZO3 Filed as: MICHAEL J DILORENZO | 59259 VAN DYKE WASHINGTON, MI 48094 | PRIORITY HEALTH INSURANCE COMPANY | $19K | — | $19K | 3.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON, MI 48094 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $22K | $30K | 6.07% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON, MI 48094 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 3.20% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $48K | — | $48K | 14.90% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 410 SOUTH UNION STREET TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $2K | — | $2K | 4.19% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 496 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 630 | $320K |
| Vision | VISION SERVICE PLAN | 286 | $38K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 378 | $500K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 378 | $500K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 378 | $500K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 378 | $500K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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.