| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAY R SCHREIBMAN3 | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $105K | — | $105K | 4.85% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.07% |
| JAY R SCHREIBMAN3 | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $27K | — | $27K | 5.66% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $68 | $68 | 0.01% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $14K | $45K | 13.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 18.18% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 27.45% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.80% |
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 | 768 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 674 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 768 | $331K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 768 | $331K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 768 | $376K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 768 | $331K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 768 | $331K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 674 | $2.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 768 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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.