| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $56K | $0 | $56K | 5.03% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS | 410 SOUTH UNION STREET TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.61% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 10.00% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 15.00% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | UNUM INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | UNUM INSURANCE COMPANY | $8K | -$22 | $8K | 26.15% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 4.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN LLC | 5777 WEST MAPLE ROAD SUITE 185 WEST BLOOMFIELD, MI 48322 | UNUM INSURANCE COMPANY | -$2K | -$140 | -$2K | -6.12% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | UNUM INSURANCE COMPANY | $4K | -$2 | $4K | 15.52% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $496 | $496 | 2.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN, L | 5777 WEST MAPLE ROAD SUITE 185 WEST BLOOMFIELD, MI 48322 | UNUM INSURANCE COMPANY | $410 | -$9 | $401 | 1.68% |
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 | 1,277 | 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) | 1,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 2,137 | $1.1M |
| Vision | VISION SERVICE PLAN | 916 | $338K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,277 | $334K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,277 | $255K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,277 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,137 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.