| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | $0 | $21K | 1.47% |
| TIMOTHY M DURSO3 Filed as: TIMOTHY M. DURSO | 608 S WASHINGTON AVE STE 200 LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $18K | $0 | $18K | 1.26% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 608 SOUTH WASHINGTON LANSING, MI 48933 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.08% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $8K | $0 | $8K | 1.48% |
| TIMOTHY M DURSO3 Filed as: TIMOTHY M. DURSO | 608 S WASHINGTON AVE STE 200 LANSING, MI 48933 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 1.25% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 608 SOUTH WASHINGTON LANSING, MI 48933 | BLUE CARE NETWORK OF MICHIGAN | $0 | $419 | $419 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD TROY, MI 48084 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.26% |
| TIMOTHY M DURSO3 Filed as: TIMOTHY MARTIN DURSO | 608 S WASHINGTON AVE STE 200 LANSING, MI 48933 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.65% |
| CENTENNIAL EMPLOYEE BENEFITS3 Filed as: CENTENNIAL ASSOCIATES, INC. | 511 S WASHINGTON AVE LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 2.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 1.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF MICHIGAN | $586 | $0 | $586 | 0.38% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 511 SOUTH WASHINGTON AVENUE LANSING, MI 48933 | EYEMED | $1K | $0 | $1K | 4.89% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 608 S. WASHINGTON AVE. LANSING, MI 48933 | EYEMED | $1K | $0 | $1K | 4.86% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | 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 | 205 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 304 | $153K |
| Vision | EYEMED | 283 | $24K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 307 | $193K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 307 | $193K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 307 | $193K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 205 | $2.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 307 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.