| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | BLUE CARE NETWORK OF MICHIGAN | $16K | $0 | $16K | 4.49% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY LLC | 26555 EVERGREEN RD SUITE 535 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.45% |
| ROBERT J. FARRIS3 | 26026 TELEGRAPH RD SUITE 100 SOUTHFIELD, MI 48033 | BLUE CARE NETWORK OF MICHIGAN | $1K | $0 | $1K | 0.28% |
| MICHAEL DILORENZO3 | 59259 VAN DYKE RD WASHINGTON, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | $0 | $9K | 4.28% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY LLC | 26555 EVERGREEN RD SUITE 535 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.54% |
| ROBERT J. FARRIS3 | 26026 TELEGRAPH RD SUITE 100 SOUTHFIELD, MA 48033 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $851 | $0 | $851 | 0.41% |
| MICHIGAN PLANNERS, INC.3 Filed as: MICHIGAN PLANNERS INC. | 59259 VAN DYKE RD WASHINGTON, MI 48094 | GUARDIAN | $9K | $0 | $9K | 8.99% |
| PROADVISOR INSURANCE AGY LLC3 Filed as: PROADVISOR INSURANCE AGENCY LLC | 26026 TELEGRAPH #100 SOUTHFIELD, MI 48034 | GUARDIAN | $2K | $5K | $7K | 7.58% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | GUARDIAN | $1K | $0 | $1K | 1.29% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 62 | $574K |
| Dental | GUARDIAN | 122 | $96K |
| Vision | GUARDIAN | 122 | $96K |
| Life insurance | GUARDIAN | 122 | $96K |
| Short-term disability | GUARDIAN | 122 | $96K |
| Long-term disability | GUARDIAN | 122 | $96K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 62 | $574K |
| Other | GUARDIAN | 122 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.