| 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 | $37K | $500 | $38K | 1.44% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 511 S WASHINGTON AVE LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $25 | $25 | 0.00% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S. WASHINGTON AVE LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 1.91% |
| ADVANCED INSURANCE MARKETS LTD3 Filed as: ADVANCED INSURANCE MARKETS LTD. | 1969 CEDAR ST HOLT, MI 48842 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 1.33% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL FIN SERVICES | 511 S WASHINGTON AVE LANSING, MI 489332301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.87% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES INC. | 511 S WASHINGTON AVE LANSING, MI 48933 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.16% |
| STEVEN R. ANDERSON3 | 1969 CEDAR STREET HOLT, MI 48842 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $844 | — | $844 | 1.63% |
| STEVEN R. ANDERSON3 | 1969 CEDAR STREET HOLT, MI 48842 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.65% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES INC. | 511 S WASHINGTON AVE LANSING, MI 48033 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.36% |
| ADVANCED INSURANCE MARKETS LTD3 | 1969 CEDAR HOLT, MI 48842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 2.45% |
| TONI JACKSON3 | 17341 BIRCHCREST DETROIT, MI 48221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.40% |
| 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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 695 | $2.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 910 | $235K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $74K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $102K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $106K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 695 | $2.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.