| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE ANN MC NEAL3 | 1258 S WASHINTON 01 SAGINAW, MI 486012509 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $52K | — | $52K | 3.18% |
| EUGENE F LOVASCO3 | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | — | $29K | 1.76% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW BAY UNDERWRITERS INC | 1258 S WASHINGTON SAGINAW, MI 486012509 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.08% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW BAY UNDERWRITERS, INC. | PO BOX 1928 SAGINAW, MI 48605 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 8.06% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 1 WOODWARD AVE SUITE 1500 DETROIT, MI 48226 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.74% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW BAY UNDERWRITERS INC SBU | 1258 S WASHINGTON SAGINAW, MI 48601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.89% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.11% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW BAY UNDERWRITERS INC SBU | 1258 S WASHINGTON SAGINAW, MI 48601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.78% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $803 | — | $803 | 2.22% |
| SAGINAW BAY UNDERWRITERS3 | 1258 S WASHINGTON AVE SAGINAW, MI 486012509 | VISION SERVICE PLAN | $1K | — | $1K | 6.48% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | 1 WOODWARD AVE STE 1500 DETROIT, MI 482265479 | VISION SERVICE PLAN | $557 | — | $557 | 3.55% |
| SAGINAW BAY UNDERWRITERS3 Filed as: SAGINAW BAY UNDERWRITERS INC SBU | 1258 S WASHINGTON SAGINAW, MI 48601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $444 | — | $444 | 8.09% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $115 | — | $115 | 2.10% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 249 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 257 | $98K |
| Vision | VISION SERVICE PLAN | 100 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $36K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 249 | $1.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.