| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 S. TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 1.68% |
| ROBERT V. WEILAND3 Filed as: ROBERT WEILAND | P.O. BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $13K | — | $13K | 1.53% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC. | P.O. BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.24% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | 2600 S. TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | — | $270 | $270 | 0.03% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 S. TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 4.97% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $59 | $8K | 15.11% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE OF COMPANY OF AMERICA | $2K | $441 | $3K | 53.60% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SEVICES INC. | 2600 S. TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE OF COMPANY OF AMERICA | $1K | $50 | $1K | 20.44% |
| GRIFFIN, STEVEN, RAY3 | 2200 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $266 | $2K | 71.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S. TEREGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $891 | $30 | $921 | 27.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES INC | 2600 S. TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $554 | $59 | $613 | 25.97% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 288 | $864K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 293 | $114K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 293 | $114K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $53K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $53K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 288 | $864K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 46 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.