| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | PRIORITY HEALTH | $43K | $0 | $43K | 5.07% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | PRIORITY HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE ROAD WASHINGTON, MI 48094 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.17% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.75% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | STANDARD INSURANCE COMPANY | $261 | $0 | $261 | 2.93% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $743 | $2K | 25.67% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $522 | $186 | $708 | 13.57% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNNERS INC | 59259 VAN DYKE RD WASHINGTON, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $378 | $178 | $556 | 14.71% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC | 59259 VAN DYKE WASHINGTON TOWNSHIP, MI 48094 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $115 | $55 | $170 | 14.73% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 153 | $902K |
| Dental | STANDARD INSURANCE COMPANY | 90 | $54K |
| Vision | STANDARD INSURANCE COMPANY | 113 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $47K |
| Prescription drug | PRIORITY HEALTH | 153 | $839K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.