| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STACY ASTOR3 Filed as: STACY HERING | ASTOR ASSOCIATE 414 JACKSON ST, SUITE 200 SAN FRANCISCO, CA 94111 | BLUE SHIELD OF CALIFORNIA | $48K | $0 | $48K | 3.74% |
| AON CONSULTING INC3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | ANTHEM INSURANCE COMPANIES, INC. | $20K | $0 | $20K | 2.27% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC | 2600 TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | ANTHEM INSURANCE COMPANIES, INC. | $4K | $0 | $4K | 0.40% |
| ASSUREDPARTNERS3 Filed as: MEADORS ADAMS & LEE INC | PO BOX 3456 LITTLE ROCK, AR 722033456 | PRINCIPAL LIFE INSURANCE COMPANY | $82K | $6K | $89K | 10.78% |
| JEFFERSON T PRESTON3 | 2600 TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 483020968 | PRINCIPAL LIFE INSURANCE COMPANY | $31K | $0 | $31K | 3.77% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 1.13% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON TODD PRESTON | 2600 S. TELEGRAPH, SUITE 200 BLOOMFIELD HILLS, MI 48302 | HEALTHPARTNERS | $0 | $2 | $2 | 0.00% |
| HEATH URICK3 Filed as: HEATH C. URICK | AON RISK SERVCIES CENTRAL INC 111 N WASHINGTON STREET, SUITE 300 GREEN BAY, WI 54301 | HEALTHPARTNERS | $0 | — | $0 | 0.00% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $16K | 5.82% |
| JAY R SCHREIBMAN3 | 2600 S TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 3.51% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | 2600 TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 1.23% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN-SCHWARTZ & GOLDMAN | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 483020968 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 4.57% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC | 10461 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 11.50% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH ROAD, #100 BLOOMFIELD HILLS, MI 48302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INNOTECH | 233 S WACKER, SUITE #1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $2K | $19K | 15.31% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC | 10461 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INNOTECH | 233 S WACKER, SUITE #1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $2K | $29K | 28.48% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC | 10461 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.19% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES WEST INC | 10461 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.39% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ 7 GOLDMAN | 2600 TELEGRAPH ROAD, #100 BLOOMFIELD HILLS, MI 48302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.60% |
| STACY ASTOR3 Filed as: STACY HERING ASTOR & ASSOCIATES | 414 JACKSON STREET, SUITE 200 SAN FRANCISCO, CA 941111605 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.33% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 483020968 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.74% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON PRESTON | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | DELTA DENTAL PLAN OF MAINE | $686 | $0 | $686 | 1.27% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $485 | $0 | $485 | 0.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES-GRAND RAPIDS | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $267 | $3K | 7.93% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC | 2600 TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $194 | $2K | 5.35% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.95% |
| JEFFERSON T PRESTON3 | 2600 TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 483020968 | RELIASTAR LIFE INSURANCE COMPANY | $838 | $0 | $838 | 3.05% |
| DEAN E. AUSTIN3 Filed as: DEAN AUSTIN | 38500 WOODWARD AVE, SUITE 360 BLOOMFIELD HILLS, MI 483045053 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.80% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS | 111 N WASHINGTON ST, SUITE 300 GREEN BAY, WI 54301 | DEARBORN NATIONAL INSURANCE COMPANY | $2K | $0 | $2K | 9.47% |
| LSG INSURANCE PARTNERS3 | 2600 TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | DEARBORN NATIONAL INSURANCE COMPANY | $125 | $0 | $125 | 0.71% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 200 RANDOLPH STREET, 3RD FLOOR CHICAGO, IL 60601 | CONSUMERS LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.60% |
| JAY R SCHREIBMAN3 Filed as: JAY SCHREIBMAN | C/O LSG INSURANCE PARTNERS 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | CONSUMERS LIFE INSURANCE COMPANY | $941 | $0 | $941 | 6.20% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOC | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | HM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| STACY ASTOR3 Filed as: STACY HERING ASTOR AND ASSOCIATES | 414 JACKSON STREET, SUITE 200 SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $845 | $0 | $845 | 7.01% |
| LSG INSURANCE PARTNERS3 | 2600 TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | VISION SERVICE PLAN | $360 | $0 | $360 | 2.99% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $992 | $48 | $1K | 11.30% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON PRESTON | 2600 TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 483020968 | METROPOLITAN LIFE INSURANCE COMPANY | $222 | $0 | $222 | 2.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $220 | $220 | 2.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 27025 RICHMOND, VA 23261 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $518 | $0 | $518 | 11.00% |
| JAY R SCHREIBMAN3 Filed as: JAY SCHREIBMAN | 2600 TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $189 | $0 | $189 | 4.01% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN, SCHWARTZ & GOLDMAN | 2600 TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| STACY ASTOR3 | 414 JACKSON STREET, SUITE 200 SAN FRANCISCO, CA 94111 | SAFEGUARD HEALTH PLANS INC | $326 | $0 | $326 | 9.42% |
| MARIBETH TENNISON3 | 2950 AIRWAY AVE, #A-13 COSTA MESA, CA 92626 | SAFEGUARD HEALTH PLANS INC | $307 | $0 | $307 | 8.88% |
| JAY R SCHREIBMAN3 Filed as: JAY SCHREIBMAN | 2600 TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 483020333 | SAFEGUARD HEALTH PLANS INC | $58 | $0 | $58 | 1.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $263 | $0 | $263 | 8.63% |
| JEFFERSON T PRESTON3 | 6176 WILLOW ROAD WEST BLOOMFIELD, MI 48324 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $194 | $0 | $194 | 6.36% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 WEST 13 MILE ROAD, SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 0.13% |
| GREAT LAKES INSURANCE CONSULTANTS3 | 1166 QUAIL COURT #100 PEWAUKEE, WI 53072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.03% |
| TITAN BENEFIT COMMUNICATIONS LLC3 | 504 EAST 4TH STREET ROYAL OAKS, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 1.44% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 48302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.96% |
| MARIBETH TENNISON3 | 2950 AIRWAY AVE, #A-13 COSTA MESA, CA 92626 | SAFEGUARD HEALTH PLANS INC | $7 | $0 | $7 | 8.97% |
| STACY ASTOR3 | 414 JACKSON STREET, SUITE 200 SAN FRANCISCO, CA 94111 | SAFEGUARD HEALTH PLANS INC | $7 | $0 | $7 | 8.97% |
| JAY R SCHREIBMAN3 Filed as: JAY SCHREIBMAN | 2600 S TELEGRAPH ROAD, SUITE 100 BLOOMFIELD HILLS, MI 483020333 | SAFEGUARD HEALTH PLANS INC | $1 | $0 | $1 | 1.28% |
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 | 2,788 | 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) | 2,788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 702 | $9.5M |
| Dental(9 contracts, 7 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 881 | $3.7M |
| Vision(6 contracts, 5 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,093 | $978K |
| Life insurance(17 contracts, 9 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 918 | $1.6M |
| Short-term disability(5 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 881 | $1.3M |
| Long-term disability(8 contracts, 5 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 918 | $1.5M |
| Prescription drug(3 contracts, 3 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 564 | $4.8M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,208 | $497K |
| Other(16 contracts, 7 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 918 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,093 | — |
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.