| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $54K | $0 | $54K | 5.02% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 410 S UNION ST TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $6K | $0 | $6K | 1.55% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $716 | $27K | 10.28% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $208 | $12K | 15.27% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNUM INSURANCE COMPANY | $6K | $76 | $6K | 20.26% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNUM INSURANCE COMPANY | $6K | $72 | $6K | 20.60% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 4.91% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE WASHINGTON, MI 48094 | UNUM INSURANCE COMPANY | $4K | $43 | $4K | 19.46% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $818 | $818 | 4.16% |
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 | 1,291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 2,147 | $1.1M |
| Vision | VISION SERVICE PLAN | 920 | $373K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,298 | $336K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,298 | $259K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,298 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,147 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.