| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LSG INSURANCE PARTNERS5 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 S. TELEGRAPH RD. SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 11.92% |
| LSG INSURANCE PARTNERS5 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 S. TELEGRAPH RD. SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $1K | $19K | 17.75% |
| GARY S. ROSENBERG3 | PO BOX 252555 WEST BLOOMFIELD, MI 48325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $274 | $0 | $274 | 2.92% |
| PARAGON UNDERWRITERS3 | PO BOX 252555 WEST BLOOMFIELD, MI 48325 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $183 | $20 | $203 | 2.17% |
| CREATIVE FINANCIAL PLANNING3 | 33533 W. 12 MILE RD. SUITE 295 FARMINGTON HILLS, MI 48331 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $573 | $0 | $573 | 26.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Other fees; Other commissions; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general) Service code 12 | 600 E. LAFAYETTE BLVD. DETROIT, MI 48226 | $602K |
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 | 1,025 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,008 | $152K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,008 | $163K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,008 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.