| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 1.42% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 0.34% |
| MICHAEL DILORENZO3 Filed as: MICHAEL A DILORENZO | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 11.65% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE AVENUE WASHINGTON, MI 48094 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 3.60% |
| ORACLE AMERICA, INC.3 Filed as: ORACLE AMERICA INC | 500 ORACLE PARKWAY REDWOOD SHORES, CA 94065 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 3.11% |
| ZEPHROS INC3 | 160 MCLEAN DRIVE ROMEO, MI 48065 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 1.74% |
| MICHAEL DILORENZO3 Filed as: MICHAEL A DILORENZO | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 11.25% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVENUE WASHINGTON, MI 48094 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 4.63% |
| ORACLE AMERICA, INC.3 Filed as: ORACLE AMERICA INC | 500 ORACLE PARKWAY REDWOOD SHORES, CA 94065 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 3.00% |
| ZEPHYROS INC3 | 160 MCLEAN DRIVE ROMEO, MI 48065 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 1.57% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE, 2ND FLOOR WASHINGTON, MI 48094 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 6.68% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE AVENUE WASHINGTON, MI 48094 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 15.45% |
| MICHAEL DILORENZO3 Filed as: MICHAEL A DILORENZO | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 11.20% |
| ORACLE AMERICA, INC.3 Filed as: ORACLE AMERICA INC | 500 ORACLE PARKWAY REDWOOD SHORES, CA 94065 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.99% |
| ZEPHYROS INC3 | 160 MCLEAN DRIVE ROMEO, MI 48065 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.63% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE AVENUE WASHINGTON, MI 48094 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 27.53% |
| ORACLE AMERICA, INC.3 Filed as: ORACLE AMERICA INC | 500 ORACLE PARKWAY REDWOOD SHORES, CA 94065 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX ADMINISTRATOR | Contract Administrator Service code 13 | 4321 20TH AVENUE S 701-969-6706 FARGO, ND 58103 | $12K |
| RX BENEFITS, INC. EIN 63-1157085 ADMINISTRATOR | Contract Administrator Service code 13 | — | $8K |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,312 | $334K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,348 | $64K |
| Life insurance | STANDARD INSURANCE COMPANY | 546 | $222K |
| Short-term disability | STANDARD INSURANCE COMPANY | 489 | $317K |
| Long-term disability | STANDARD INSURANCE COMPANY | 546 | $61K |
| Other | STANDARD INSURANCE COMPANY | 546 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,348 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.