| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVASCO CONSULTING GROUP INC3 | 600 RENAISSANCE CENTER, SUITE 1800 DETROIT, MI 48243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 921865638 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $373 | $373 | 0.10% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $27 | $27 | 0.01% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $16K | 7.16% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 1 WOODWARD AVE STE 1500 DETROIT, MI 482265479 | VISION SERVICE PLAN | $3K | — | $3K | 2.72% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVE STE 1500 DETROIT, MI 48226 | HARTFORD LIFE AND ACCIDENT | $544 | — | $544 | 14.99% |
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 | 543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 12 | $115K |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 12 | $115K |
| Vision | VISION SERVICE PLAN | 491 | $92K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 632 | $377K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 523 | $225K |
| Prescription drug | TRIPLE S SALUD, INC. | 12 | $96K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 632 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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."
No prospect flags tripped on this filing.