| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | $36K | $52K | 45.20% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVE WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 1.80% |
| MICHIGAN PLANNERS, INC.3 | 410 S. UNION ST. TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.46% |
| MICHIGAN PLANNERS, INC.3 | 410 S. UNION ST. TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $818 | $6K | 17.48% |
| MICHIGAN PLANNERS, INC.3 | 410 S. UNION ST. TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $680 | $5K | 17.33% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 312 | $114K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 312 | $114K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 312 | $114K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $48K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 312 | $114K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 312 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.