| 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 | $57K | — | $57K | 3.02% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 608 SOUTH WASHINGTON LANSING, MI 48933 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.14% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC | 511 S WASHINGTON AVENUE LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 3.01% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC | 608 S WASHINGTON AVENUE STE 200 LANSING, MI 48933 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 11.00% |
| TIMOTHY M DURSO3 | 608 S WASHINGTON AVENUE STE 200 LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 1.37% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 608 SOUTH WASHINGTON LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $72 | $72 | 0.10% |
| 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 | 608 S WASHINGTON AVENUE STE 200 LANSING, MI 48933 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.00% |
| 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 | $4K | — | $4K | 9.24% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 351 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 489 | $219K |
| Vision | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 392 | $39K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 264 | $71K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 236 | $104K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 351 | $2.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 264 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.