| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUGENE F LOVASCO3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 482265479 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $67K | $27K | $94K | 5.39% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 48226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $984 | $0 | $984 | 0.06% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $3K | $54K | 11.80% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $4K | $46K | 17.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 3.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $15 | $15 | 0.01% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $2K | $32K | 15.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES DBA CBA | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 4.24% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 48226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $165 | $4K | 3.19% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $137 | $137 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $33 | $33 | 0.03% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 48226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $10K | 24.78% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $960 | $960 | 2.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 THIRD PARTY ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan; Insurance services; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other fees Service code 12 | P.O. BOX 230495 GRAND RAPIDS, MI 49523 | $1.3M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $45K |
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 | 1,911 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,684 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,684 | $1.8M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,684 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,911 | $585K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $242K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,911 | $702K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,684 | $1.8M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,684 | $1.8M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,911 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,911 | — |
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.