| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 5.27% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 5.00% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 1 WOODWARD AVE STE 1500 DETROIT, MI 482265479 | VISION SERVICE PLAN | $2K | — | $2K | 3.67% |
| FINANCIAL CONCEPTS INC3 | 24 FRANK LLOYD WRIGHT DR, STE H3050 PO BOX 554 ANN ARBOR, MI 48106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $294 | $2K | 11.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MICHI | 30150 TELEGRAPH ROAD STE 408 BINGHAM FARMS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $352 | — | $352 | 1.98% |
| FINANCIAL CONCEPTS INC3 | 24 FRANK LLOYD WRIGHT DR, STE H3050 PO BOX 554 ANN ARBOR, MI 48106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $643 | $124 | $767 | 14.36% |
| LOVASO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $622 | $120 | $742 | 13.90% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $172 | $172 | 3.22% |
| FINANCIAL CONCEPTS INC3 | 24 FRANK LLOYD WRIGHT DR, STE H3050 PO BOX 554 ANN ARBOR, MI 48106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $416 | — | $416 | 12.04% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $35 | $35 | 1.01% |
| FINANCIAL CONCEPTS INC3 | 24 FRANK LLOYD WRIGHT DR, STE H3050 PO BOX 554 ANN ARBOR, MI 48106 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $276 | $88 | $364 | 16.23% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $44 | $44 | 1.96% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 1 WOODWARD AVE STE 1500 DETROIT, MI 48226 | HARTFORD LIFE AND ACCIDENT | $0 | — | $0 | — |
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 | 304 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 12 | $159K |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 12 | $159K |
| Vision | VISION SERVICE PLAN | 284 | $51K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 311 | $338K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 311 | $338K |
| Prescription drug | TRIPLE S SALUD, INC. | 12 | $101K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 311 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.