| 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 483028302 | BLUE CARE NETWORK OF MICHIGAN | $29K | — | $29K | 2.88% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | P.O. BOX 1801 ADRIAN, MI 492219221 | BLUE CARE NETWORK OF MICHIGAN | — | $957 | $957 | 0.10% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | — | $328 | $328 | 0.03% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 4.36% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | P. O. BOX 1801 ADRIAN, MI 492219221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $51 | $51 | 0.03% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $17 | $17 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483028302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 12.76% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $601 | $4K | 32.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $67 | $2K | 12.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $75 | $1K | 15.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $56 | $56 | 0.69% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 272 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 272 | $176K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 272 | $176K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $62K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $62K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 243 | $1.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
No prospect flags tripped on this filing.