| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 S TELEGRAPH, S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13 | $54K | $54K | 1.45% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 S TELEGRAPH, S-100 BLOOMFIELD HILLS, MI 48302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $8K | $28K | 4.91% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 S TELEGRAPH, S-100 BLOOMFIELD HILLS, MI 48302 | SUN LIFE ASSURANCE COMPANY OF CANADA | $52K | $12K | $64K | 14.44% |
| SCRIPTGUIDE RX, INC.5 | 15400 E. JEFFERSON GROSSE POINTE PARK, MI 48230 | — | — | $28K | $28K | — |
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 | 474 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 408 | $3.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 408 | $3.7M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 408 | $3.7M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 474 | $444K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 474 | $444K |
| Prescription drug | 474 | $0 | |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 404 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.