| 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 | $32K | — | $32K | 1.03% |
| GREGORY BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 488231438 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 0.25% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 511 S WASHINGTON AVE LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.09% |
| TIMOTHY M DURSO3 | CENTENNIAL EMP BENEFITS 511 S WASHINGTON AVE LANSING, MI 489332301 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.67% |
| GREGORY BROGAN3 Filed as: GREGORY DAVID BROGAN | 320 W LAKE LANSING RD STE 2 EAST LANSING, MI 488231438 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.39% |
| ADVANCED INSURANCE MARKETS LTD3 | 1969 CEDAR HOLT, MI 48842 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 2.25% |
| TONI JACKSON3 | 17341 BIRCHCREST DETROIT, MI 48221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.35% |
| PATRICIA REED3 | 569 THORNHILL COURT BELLEVILLE, ME 48111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.03% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 705 | $3.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 705 | $3.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 409 | $158K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 409 | $158K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 409 | $162K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 705 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.