| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY M DURSO3 | 608 S WASHINGTON AVENUE STE 200 LANSING, MI 48933 | BLUE CARE NETWORK OF MICHIGAN | $37K | — | $37K | 2.00% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 608 SOUTH WASHINGTON 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 | $7K | — | $7K | 3.00% |
| TIMOTHY M DURSO3 | 608 S WASHINGTON AVENUE STE 200 LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 1.65% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 608 SOUTH WASHINGTON LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $82 | $82 | 0.06% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC | 511 S WASHINGTON AVENUE LANSING, MI 48933 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $5K | $13K | 12.66% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC | 511 S WASHINGTON AVENUE LANSING, MI 48933 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 10.00% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC | 511 S WASHINGTON AVENUE LANSING, MI 48933 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 14.37% |
| 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 | $4K | — | $4K | 9.31% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 328 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 479 | $240K |
| Vision | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 374 | $41K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 267 | $74K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $106K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 328 | $2.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 267 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.