| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ AND GOLDMAN | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 20.00% |
| LUBIN SCHWARTZ & GOLDMAN | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 20.00% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | THE LINCOLN NATIONAL LIFE INSURANCE | $1K | $0 | $1K | 2.50% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.50% |
| HYLANT GROUP INC3 | 24 FRANK LLOYD WRIGH #J4100 ANN ARBOR, MI 48106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $25 | $7K | 17.42% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $809 | $0 | $809 | 1.97% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S TELEGRAPH ROAD BLOOMFIELD HILLS, MI 48302 | NATIONAL VISION ADMINISTRATORS LLC | $4K | — | $4K | — |
| JAY R SCHREIBMAN3 Filed as: JAY R SCHREIBMAN DBA LSG INSURANCE | 2600 S TELEGRAPH ROAD BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | $96K | $131K | — |
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 | 1,986 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,068 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,068 | $0 |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 812 | $0 |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,816 | $172K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $153K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 554 | $44K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,068 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,068 | $0 |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE | 1,816 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,816 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.