| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY M DURSO3 Filed as: TIMOTHY M. DURSO | 608 S WASHINGTON AVE STE 200 LANSING, MI 489331658 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 5.13% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 608 SOUTH WASHINGTON LANSING, MI 489332301 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $483 | $483 | 0.15% |
| TIMOTHY M DURSO3 Filed as: TIMOTHY M. DURSO | 608 S WASHINGTON AVE STE 200 LANSING, MI 489331658 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 5.03% |
| CENTENNIAL EMPLOYEE BENEFITS3 | 608 SOUTH WASHINGTON LANSING, MI 489332301 | BLUE CARE NETWORK OF MICHIGAN | — | $330 | $330 | 0.14% |
| STEPHEN K ROWLEY III3 | 151 N MILL ST PLYMOUTH, MI 48170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.23% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES LLC - MARK BADLU | 51 MADISON AVE ROOM 251 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $387 | $387 | 0.75% |
| TIMOTHY M DURSO3 Filed as: TIMOTHY DURSO | 511 S WASHINGTON AVE LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 6.34% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | 511 SOUTH WASHINGTON AVENUE LANSING, MI 489332301 | EYEMED VISION CARE | $905 | — | $905 | 12.75% |
| STEPHEN K ROWLEY III | 151 N MILL ST PLYMOUTH, MI 48170 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES LLC - MARK BADLU | 51 MADISON AVE ROOM 251 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $53 | $53 | 0.75% |
| STEPHEN K ROWLEY III3 Filed as: STEPHEN K ROWLEY, III | 151 N MILL ST PLYMOUTH, MI 48170 | UNUM INSURANCE COMPANY | $686 | — | $686 | 15.00% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES LLC - MARK BADLU | 51 MADISON AVENUE ROOM 251 NEW YORK, NY 10010 | UNUM INSURANCE COMPANY | — | $34 | $34 | 0.74% |
| STEPHEN K ROWLEY III3 | 151 N MILL ST PLYMOUTH, MI 48170 | UNUM INSURANCE COMPANY | $683 | — | $683 | 15.02% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES ATTN MARK BADLU | 51 MADISON AVE NEW YORK, NY 10010 | UNUM INSURANCE COMPANY | $67 | — | $67 | 1.47% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 53 | $563K |
| Dental | DELTA DENTAL OF MICHIGAN | 97 | $42K |
| Vision | EYEMED VISION CARE | 91 | $7K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $63K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.