| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TMOTHY M DURSO3 | 511 S WASHINGTON AVE LANSING, MI 489331658 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | $2K | $43K | 1.89% |
| ADVANCED INSURANCE MARKETS LTD3 Filed as: ADVANCED INSURANCE MARKETS, LTD | 1969 CEDAR ST HOLT, MI 48842 | DELTA DENTAL OF MICHIGAN | $12K | — | $12K | 5.46% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL FIN SERVICES | 511 S WASHINGTON AVE LANSING, MI 489332301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.87% |
| STEVEN R. ANDERSON3 | 1969 CEDAR STREET HOLT, MI 48842 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.83% |
| STEVEN R. ANDERSON3 | 1969 CEDAR STREET HOLT, MI 48842 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ADVANCED INSURANCE MARKETS LTD3 | 1969 CEDAR HOLT, MI 48842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | — | $108 | 2.52% |
| TONI JACKSON3 | 17341 BIRCHCREST DETROIT, MI 48221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.37% |
| CAROL DENISE DONALDSON3 | 1868 BROMLEY LANE ROCHESTER HILLS, MI 48306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.26% |
| PATRICIA REED3 | 569 THORNHILL COURT BELLEVILLE, ME 48111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 624 | $2.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 655 | $224K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 243 | $72K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $119K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $123K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 624 | $2.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 243 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.