| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | BLUE CARE NETWORK OF MICHIGAN | $25K | $964 | $26K | 2.77% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $7K | $218 | $7K | 2.82% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $3K | $8K | 6.00% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP | 690 HIDDEN COVE ADA, MI 49301 | STARMOUNT LIFE INSURANCE COMPANY | $864 | — | $864 | 0.64% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 10.63% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP | 690 HIDDEN COVE ADA, MI 49301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $215 | — | $215 | 0.25% |
| THORNHILL, LLC3 | 4899 HARNESS COURT PARKER, CO 80134 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 15.46% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $791 | $51 | $842 | 2.15% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK CT HUNTSVILLE, AL 35806 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.49% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 4.67% |
| THORNHILL, LLC3 | 4899 HARNESS COURT PARKER, CO 80134 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 22.24% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $238 | $22 | $260 | 1.77% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP | 690 HIDDEN COVE ADA, MI 49301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.03% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | NGL | $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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 218 | $1.2M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 208 | $160K |
| Vision | NGL | 266 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 503 | $127K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 177 | $54K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 503 | $88K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 218 | $1.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 503 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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."
No prospect flags tripped on this filing.