| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVENUE STE 1500 DETROIT, MI 482265479 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | — | $43K | 7.66% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $4K | $20K | 3.61% |
| LOVASCO CONSULTING GROUP INC3 Filed as: LOVASCO CONSULTING GROUP | ONE WOODWARD AVENUE SUITE 1500 DETROIT, MI 48226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $33K | — | $33K | 9.91% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVENUE STE 1500 DETROIT, MI 482265479 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 19.83% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $873 | $218 | $1K | 3.82% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVENUE STE 1500 DETROIT, MI 482265479 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 19.79% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $400 | $100 | $500 | 3.87% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVENUE STE 1500 DETROIT, MI 482265479 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 23.93% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $366 | $92 | $458 | 4.23% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVE STE 1500 DETROIT, MI 48226 | METROPOLITAN GENERAL INSURANCE COMPANY | $82 | — | $82 | 10.01% |
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 | 624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $52K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 411 | $337K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 677 | $557K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 677 | $557K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 677 | $557K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 677 | $557K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 677 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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.
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.