| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DILORENZO | 59259 VAN DYKE WASHINGTON, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $27K | $79K | $106K | 13.79% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS, INC | 59259 VAN DYKE AVE WASHINGTON, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.61% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN DILORENZO | 59259 VAN DYKE RD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.92% |
| BLACKBURN EMILY - 100275S3 | 525 E BROADWAY ST MT PLEASANT, MI 48858 | KANSAS CITY LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BLACKBURN EMILY - 100275S3 | 525 E BROADWAY ST MT PLEASANT, MI 48858 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.13% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 260 | $765K |
| Dental | DELTA DENTAL OF MICHIGAN | 636 | $174K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 260 | $765K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 334 | $86K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 334 | $86K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 260 | $765K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 260 | $765K |
| Other(3 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 385 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.