| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | DELTA DENTAL OF MICHIGAN | $35K | — | $35K | 5.49% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARNTNERS | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $6K | $34K | 7.21% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | VISION SERVICE PLAN | $3K | — | $3K | 2.16% |
| FINANCIAL DESIGNS INC3 | 39500 HIGHPOINTE BLVD, SUITE 400 NOVI, MI 48375 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.52% |
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 | 1,080 | 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) | 1,080 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 2,059 | $1.1M |
| Vision | VISION SERVICE PLAN | 632 | $159K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,691 | $522K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,691 | $470K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,064 | $884K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,691 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,059 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.