| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LENZ & ASSOCIATES INC3 Filed as: LENZ-BALDER INSURANCE, INC.-DAVID G | 201 E COURT ST LUDINGTON, MI 49431 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.99% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES INC-JASON | 600 S WALNUT ST LANSING, MI 489332209 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.18% |
| LENZ & ASSOCIATES INC3 | 201 E COURT ST LUDINGTON, MI 49431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| LENZ & ASSOCIATES INC3 | 201 E COURT ST LUDINGTON, MI 49431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.46% |
| LENZ & ASSOCIATES INC3 | 201 E COURT ST LUDINGTON, MI 49431 | VISION SERVICE PLAN | $1K | — | $1K | 5.06% |
| LENZ & ASSOCIATES INC3 | 201 E COURT ST LUDINGTON, MI 49431 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| LENZ & ASSOCIATES INC3 | 201 E COURT ST LUDINGTON, MI 49431 | UNUM INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| LENZ & ASSOCIATES INC3 | 201 E COURT ST LUDINGTON, MI 49431 | UNUM INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| LENZ & ASSOCIATES INC3 | 201 E COURT ST LUDINGTON, MI 49431 | UNUM INSURANCE COMPANY | $755 | — | $755 | 15.00% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 286 | $104K |
| Vision | VISION SERVICE PLAN | 141 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $31K |
| Short-term disability(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 86 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $31K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 299 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.