| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC.3 | 410 S. UNION ST. TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 500 CASCADE WEST PKWY SE. STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVE. WASHINGTON TOWNSHIP, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.03% |
| MICHIGAN PLANNERS, INC.3 | 410 S. UNION ST. TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 500 CASCADE WEST PKWY SE. STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVE. WASHINGTON TOWNSHIP, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.63% |
| MICHIGAN PLANNERS, INC.3 | 410 S. UNION ST. TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES INC. | 500 CASCADE WEST PKWY SE. STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVE. WASHINGTON TOWNSHIP, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.29% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE AVE. WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | $27K | $39K | — |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE AVE. WASHINGTON TOWNSHIP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $14K | $18K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Claims processing; Insurance services; Float revenue; Direct payment from the plan; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Other fees Service code 12 | P.O. BOX 674416 DETROIT, MI 48267 | $144K |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 336 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 336 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 336 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $73K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 336 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 336 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.