| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $19K | $19K | 5.00% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 4.95% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $675 | $4K | 12.00% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | — | $3K | $3K | 9.00% |
| FINANCIAL CONCEPTS INC3 | 24 FRANK LLOYD WRIGHT DR, STE H3050 PO BOX 554 ANN ARBOR, MI 481060554 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $355 | $2K | 12.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MICHI | STE 408 30150 TELEGRAPH ROAD BINGHAM FARMS, MI 48025 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $367 | $367 | 2.46% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM INSURANCE COMPANY | $1K | $108 | $1K | 16.23% |
| LOVASCO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | UNUM INSURANCE COMPANY | $1K | $66 | $1K | 15.76% |
| FINANCIAL CONCEPTS INC3 | 24 FRANK LLOYD WRIGHT DR, STE H3050 PO BOX 554 ANN ARBOR, MI 481060554 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $240 | $101 | $341 | 6.46% |
| LOVASO CONSULTING GROUP INC3 | ONE WOODWARD AVENUE STE 1500 DETROIT, MI 48226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $218 | $22 | $240 | 4.55% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $137 | $137 | 2.60% |
| FINANCIAL CONCEPTS INC3 | 24 FRANK LLOYD WRIGHT DR, STE H3050 PO BOX 554 ANN ARBOR, MI 481060554 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $263 | $95 | $358 | 16.19% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $41 | $41 | 1.85% |
| FINANCIAL CONCEPTS INC3 | 24 FRANK LLOYD WRIGHT DR, STE H3050 PO BOX 554 ANN ARBOR, MI 481060554 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 8.55% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $14 | $14 | 1.03% |
| 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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | TRIPLE S SALUD, INC. | 52 | $182K |
| Dental(2 contracts, 2 carriers) | TRIPLE S SALUD, INC. | 11 | $164K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 252 | $34K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $379K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $379K |
| Prescription drug | TRIPLE S SALUD, INC. | 11 | $108K |
| Other(9 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.