| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMERON M KENNEDY3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $31K | — | $31K | 2.25% |
| TIMOTHY M DURSO3 | 608 SOUTH WASHINGTON AVENUE SUITE 200 LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 0.74% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES INC | 608 SOUTH WASHINGTON LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.11% |
| CAMERON M KENNEDY3 | 400 WEST FOURTH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 1.99% |
| TIMOTHY M DURSO3 | 608 SOUTH WASHINGTON AVENUE SUITE 200 LANSING, MI 48933 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.74% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES INC | 608 SOUTH WASHINGTON LANSING, MI 48933 | BLUE CARE NETWORK OF MICHIGAN | — | $267 | $267 | 0.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 7.34% |
| TIMOTHY M DURSO3 Filed as: TIMOTHY MARTIN DURSO CENTENNIAL EMP | 608 SOUTH WASHINGTON AVENUE SUITE 200 LANSING, MI 48933 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.52% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 3.66% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 SOUTH WASHINGTON AVENUE LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) IN | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.67% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES INC | 608 SOUTH WASHINGTON AVENUE SUITE 200 LANSING, MI 48933 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | VISION SERVICE PLAN | $818 | — | $818 | 4.57% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES | 608 SOUTH WASHINGTON AVENUE SUITE 200 LANSING, MI 48933 | VISION SERVICE PLAN | $548 | — | $548 | 3.06% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | 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 | 284 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 271 | $109K |
| Vision | VISION SERVICE PLAN | 123 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $118K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $118K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $118K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 284 | $1.5M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.