| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUGENE F LOVASCO3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $39K | — | $39K | 5.01% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HWY SUITE 600 SOUTHFIELD, MI 480758075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 0.98% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 482268226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $744 | $744 | 0.09% |
| EUGENE F LOVASCO3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 4.53% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HWY SUITE 600 SOUTHFIELD, MI 480758075 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.89% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 482268226 | BLUE CARE NETWORK OF MICHIGAN | — | $418 | $418 | 0.13% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVE SUITE 1500 DETROIT, MI 48226 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 8.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 3.54% |
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 | 129 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 130 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $136K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $136K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $136K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $136K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $136K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 130 | $1.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 143 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.