| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT V. WEILAND3 Filed as: ROBERT VICTOR II WEILAND | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $37K | — | $37K | 4.22% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49248 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.25% |
| JAY R SCHREIBMAN3 | 2600 S. TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $424 | — | $424 | 0.05% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | 2600 S. TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | — | $20 | $20 | 0.00% |
| JAY R SCHREIBMAN3 | 2600 S. TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 6.04% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49248 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $189 | $189 | 0.19% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | 2600 S. TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2 | $2 | 0.00% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $764 | $8K | 15.18% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 276 | $877K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 288 | $100K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 288 | $100K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $51K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $51K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 276 | $877K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.