| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY M DURSO3 | 511 S WASHINGTON AVENUE LANSING, MI 48933 | BLUE CARE NETWORK OF MICHIGAN | $28K | — | $28K | 1.94% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 511 S WASHINGTON AVENUE LANSING, MI 48933 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.13% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC | 511 S WASHINGTON AVENUE LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $5K | $251 | $6K | 2.87% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC | 511 S WASHINGTON AVENUE LANSING, MI 48933 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.67% |
| TIMOTHY M DURSO3 | 511 S WASHINGTON AVENUE LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 1.77% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 511 S WASHINGTON LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $69 | $69 | 0.06% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC | 511 S WASHINGTON AVENUE LANSING, MI 48933 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 10.00% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 511 S WASHINGTON AVENUE LANSING, MI 48933 | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.35% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 316 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 454 | $200K |
| Vision | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 367 | $34K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 307 | $76K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $148K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 213 | $148K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 316 | $1.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 307 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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."
No prospect flags tripped on this filing.