| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $37K | $0 | $37K | 3.97% |
| MICHIGAN PLANNERS, INC.3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 6.33% |
| MICHIGAN PLANNERS, INC.3 | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| MICHIGAN PLANNERS, INC.3 | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| MICHIGAN PLANNERS, INC.3 | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $762 | $762 | 5.00% |
| MICHIGAN PLANNERS, INC.3 | 410 S. UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $574 | $574 | 5.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 410 S UNION ST TRAVERSE CITY, MI 49684 | VISION SERVICE PLAN | $631 | $0 | $631 | 8.29% |
| MICHIGAN PLANNERS, INC.3 | 410 S UNION ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $746 | $0 | $746 | 15.00% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $249 | $249 | 5.01% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | DELTA DENTAL PLAN OF MAINE | $234 | $0 | $234 | 7.47% |
| COMBINED SERVICES LLC3 | P.O. BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $5 | $0 | $5 | 0.16% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 140 | $943K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 138 | $59K |
| Vision | VISION SERVICE PLAN | 81 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $53K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $16K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 140 | $943K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.