| 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 | $70K | $5K | $76K | 6.25% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $16K | $47K | 3.92% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVE STE 1500 DETROIT, MA 482265479 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.49% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $205 | $113 | $318 | 1.08% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVENUE STE 1500 DETROIT, MI 482265479 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $133 | $3K | 12.40% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $549 | $249 | $798 | 3.38% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVENUE STE 1500 DETROIT, MI 482265479 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $124 | $2K | 12.98% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $401 | $213 | $614 | 3.67% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVE STE 1500 DETROIT, MI 48226 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $62 | $1K | 11.57% |
| LOVASCO CONSULTING GROUP INC3 | 1 WOODWARD AVENUE STE 1500 DETROIT, MI 482265479 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $283 | $2K | 24.02% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $656 | $436 | $1K | 11.58% |
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 | 706 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $79K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $1.2M |
| Other(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,160 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,160 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.