| 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 | $97K | — | $97K | 4.07% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES INC | 608 SOUTH WASHINGTON LANSING, MI 48933 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.12% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC | 511 S WASHINGTON AVENUE LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 2.92% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC | CENTENNIAL ASSOCIATES, INC LANSING, MI 48933 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 7.39% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC | 608 S WASHINGTON AVENUE STE 200 LANSING, MI 48933 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 10.00% |
| TIMOTHY M DURSO3 | 608 S WASHINGTON AVENUE STE 200 LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $803 | — | $803 | 1.22% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES INC | 608 SOUTH WASHINGTON LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $64 | $64 | 0.10% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 608 S WASHINGTON AVENUE STE 200 LANSING, MI 48933 | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 15.91% |
| 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 | $600 | — | $600 | 1.50% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 391 | $2.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 539 | $224K |
| Vision | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 444 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 283 | $78K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 264 | $174K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 264 | $174K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 391 | $2.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 283 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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.