| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC | 2600 S. TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | AMERICAN UNITED LIFE INSURANCE COMPANY | $112K | $0 | $112K | 17.02% |
| LSG INSURANCE PARTNERS Filed as: LSG INSURANCE PARTNERS, INC | 2600 S. TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $54K | $5K | $59K | 59.51% |
| LSG INSURANCE PARTNERS1 Filed as: LSG INSURANCE PARTNERS, INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | NATIONAL VISION ADMINISTRATORS LLC | $5K | — | $5K | 5.00% |
| LUBIN SCHWARTZ & GOLDMAN | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.38% |
| HYLANT GROUP INC | 24 FRANK LLYOD WRIGHT #J4100 ANN ARBOR, MI 48106 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $378 | $146 | $524 | 3.87% |
| NATIONAL VISION ADMINISTRATORS, L.L1 Filed as: NATIONAL VISION ADMINISTATORS LLC | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | NATIONAL VISION ADMINISTATORS LLC | — | $408 | $408 | 9.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAY R SCHREIBMAN EIN 38-1793770 TPA | Consulting (general); Other fees; Float revenue; Insurance services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | $989K |
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 | 2,250 | 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) | 2,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | NATIONAL VISION ADMINISTRATORS LLC | 2,096 | $100K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,008 | $657K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,008 | $755K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,008 | $670K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,096 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.