| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 6.00% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 1.06% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 8.83% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $654 | $654 | 0.45% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 15.05% |
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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 112 | $464K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 112 | $146K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 112 | $146K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 91 | $48K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 91 | $48K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 91 | $48K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 112 | $464K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 91 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.