| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL DESIGNS INC3 | 39500 HIGHPOINTE BLVD, SUITE 400 NOVI, MI 48375 | PRINCIPAL LIFE INSURANCE COMPANY | $71K | $7K | $78K | 10.96% |
| JAY R SCHREIBMAN3 Filed as: JAY SCHREIBMAN | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | DELTA DENTAL OF MICHIGAN | $21K | $2K | $24K | 3.39% |
| JAY R SCHREIBMAN3 Filed as: JAY SCHREIBMAN | 2800 LIVERNOIS ROAD TROY, MI 48083 | DELTA DENTAL OF MICHIGAN | $13K | — | $13K | 1.93% |
| JAY R SCHREIBMAN3 Filed as: JAY SCHREIBMAN | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 0.95% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | VISION SERVICE PLAN | $3K | — | $3K | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $789 | — | $789 | 0.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MICHIGAN INC | 1190 TORREY ROAD FENTON, MI 48430 | METROPOLITAN LIFE INSURANCE COMPANY | $934 | — | $934 | 6.81% |
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 | 1,301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 2,062 | $694K |
| Vision | VISION SERVICE PLAN | 690 | $167K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,665 | $708K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,665 | $708K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,008 | $1.0M |
| Other(2 contracts, 2 carriers) | ULLIANCE INC | 1,225 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,062 | — |
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.