| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 S TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $35K | — | $35K | 18.14% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | 2600 S TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.54% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 S TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $375 | $0 | $375 | 1.48% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | 2600 S TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $7 | $7 | 0.03% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | GUARDIAN DENTAL | $1K | — | $1K | 5.00% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | EYE MED VISION | $2K | — | $2K | 10.01% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | EYE MED VISION COBRA | $8 | — | $8 | 6.72% |
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 | 199 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 271 | $220K |
| Dental | GUARDIAN DENTAL | 221 | $25K |
| Vision(2 contracts, 2 carriers) | EYE MED VISION | 200 | $16K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 271 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.