| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLY HAVERTY3 | 34656 GIANETTI DR STERLING HTG, MI 48312 | BLUE CARE NETWORK OF MICHIGAN | $21K | — | $21K | 4.93% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 28764 HARPER ST. CLAIR SHORES, MI 48081 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.69% |
| MICHAEL PANNUTO3 Filed as: MICHAEL P. PANNUTO | 28764 HARPER ST. CLAIR SHORES, MI 48081 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $403 | — | $403 | 0.65% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52 | — | $52 | 0.08% |
| LIFETIME FINANCIAL GROWTH3 Filed as: LIFETIME FINANCIAL GROWTH OF M | 24255 W 13 MILE ROAD BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.01% |
| MICHAEL PANNUTO3 | 34656 GIANETTI DR STERLING HTG, MI 48312 | BEAZLEY INSURANCE COMPANY INC | $6K | — | $6K | 10.00% |
| CHELTEN BENEFITS GROUP3 | 4768 PARVIEW LANE CLARKSTON, MI 483462788 | BEAZLEY INSURANCE COMPANY INC | $6K | — | $6K | 10.00% |
| BENEPRO INC3 | 1423 E 11 MILE RD ROYAL OAK, MI 48067 | BEAZLEY INSURANCE COMPANY INC | $0 | — | $0 | 0.00% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 142 | $430K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $62K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $62K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $62K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 142 | $430K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.