| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 482265479 | SUN LIFE ASSURANCE COMPANY OF CANADA | $88K | $0 | $88K | 5.00% |
| LOVASCO CONSULTING GROUP INC3 | 535 GRISWOLD, STE 1600 DETROIT, MI 48236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39K | $2K | $41K | 12.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.49% |
| 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 | $671 | $671 | 0.20% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 482265479 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 11.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVE, STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 2.65% |
| 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 | $1K | $1K | 0.66% |
| LOVASCO CONSULTING GROUP INC3 | 535 GRISWOLD, STE 1600 DETROIT, MI 48236 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $28K | $28K | — |
| EUGENE F LOVASCO3 | ONE WOODWARD AVE STE 1500 DETROIT, MI 482265479 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $27K | — | $27K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Float revenue; Claims processing; Consulting (general); Contract Administrator; Other fees; Direct payment from the plan Service code 12 | P.O. BOX 230495 GRAND RAPIDS, MI 49523 | $1.4M |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $41K |
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 | 2,820 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,826 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,826 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,826 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,398 | $337K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 382 | $205K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,398 | $543K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,826 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,826 | $1.8M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,398 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,826 | — |
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.