| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $34K | — | $34K | 3.23% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.08% |
| JAY R SCHREIBMAN3 Filed as: JAY SCHREIBMAN | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 5.20% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | NATIONAL VISION ADMINISTRATORS LLC | $1K | — | $1K | 10.00% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 173 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $100K |
| Vision | NATIONAL VISION ADMINISTRATORS LLC | 208 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $100K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $100K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 173 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.