| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 | 59259 VAN DYKE WASHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $27K | — | $27K | 2.54% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS, INC | 59259 VAN DYKE WASHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.12% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE WASHINGTON, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 2.57% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $423 | $423 | 0.11% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON, MI 48094 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $8K | $17K | 11.44% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.40% |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 271 | $1.4M |
| Dental(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 271 | $1.4M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 271 | $391K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $149K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $149K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $149K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 271 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.