| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY M DURSO3 Filed as: TIMOTHY M. DURSO | 511 S WASHINGTON AVE LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $30K | $0 | $30K | 1.42% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 511 S WASHINGTON AVE LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.09% |
| TIMOTHY M DURSO3 Filed as: TIMOTHY M. DURSO | 511 S WASHINGTON AVE LANSING, MI 48933 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 1.35% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 511 S WASHINGTON AVE LANSING, MI 48933 | BLUE CARE NETWORK OF MICHIGAN | $0 | $529 | $529 | 0.13% |
| TIM M DURSO3 | 511 S WASHINGTON AVE LANSING, MI 48933 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 8.69% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES INC | 511 S WASHINGTON AVE LANSING, MI 48933 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.87% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S WASHINGTON AVE LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $12K | $311 | $13K | 4.85% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 511 SOUTH WASHINGTON AVENUE LANSING, MI 48933 | EYEMED | $4K | $0 | $4K | 7.87% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 458 | $2.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 527 | $260K |
| Vision | EYEMED | 520 | $46K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $281K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $281K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $281K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 458 | $2.5M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.