| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 1.94% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE WASHINGTON, MI 480942205 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 4.29% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE WASHINGTON, MI 480942205 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $66 | — | $66 | 0.05% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 58259 VAN DYKE WASHINGTON, MI 48094 | CIGNA GROUP INSURANCE | $2K | — | $2K | 10.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON, MI 48094 | CIGNA GROUP INSURANCE | $686 | — | $686 | 10.01% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON, MI 48094 | CIGNA GROUP INSURANCE | $382 | — | $382 | 10.01% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON, MI 48094 | VISION SERVICE PLAN | $325 | — | $325 | 10.01% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON, MI 48094 | CIGNA GROUP INSURANCE | $38 | — | $38 | 9.87% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 119 | $134K |
| Vision | VISION SERVICE PLAN | 92 | $3K |
| Life insurance | CIGNA GROUP INSURANCE | 43 | $7K |
| Short-term disability(2 contracts) | CIGNA GROUP INSURANCE | 172 | $16K |
| Long-term disability | CIGNA GROUP INSURANCE | 25 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.