| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $13K | $45K | 10.88% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $10K | $45K | 12.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGNCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 5.23% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $11K | — | $11K | 3.37% |
| JAY R SCHREIBMAN3 Filed as: JAY S. SCHREIBMAN | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $7K | $42K | 17.42% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 15.00% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | ARAG INSURANCE COMPANY | $2K | — | $2K | 3.97% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICE | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $829 | $33K | 111.42% |
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 | 2,257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 4,131 | $319K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,218 | $363K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 641 | $238K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 582 | $416K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,257 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,131 | — |
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."
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.