| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN CUDAHY, WI 53110 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $102K | $0 | $102K | 3.00% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $264K | $45K | $310K | 22.77% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $20K | $25K | 1.86% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN, SCHWARTZ AND GOLDMAN INC. | 2600 SOUTH TELEGRAOH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | ANTHEM INSURANCE COMPANIES, INC. | $22K | $0 | $22K | 2.21% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $307K | $50K | $357K | 74.65% |
| TITAN BENEFIT COMMUNICATIONS LLC3 Filed as: TITAN BENEFIT COMMUNICATIONS, LLC | 504 EAST 4TH STREET ROYAL OAK, MI 48067 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 111 NORTH WASHINGTON STREET SUITE 300 GREEN BAY, WI 54301 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $12 | $12 | 0.00% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON TODD PRESTON | 2600 SOUTH TELEGRAPH, SUITE 100 BLOOMINGFIELD HILLS, MI 48302 | HEALTHPARTNERS INSURANCE COMPANY | $0 | $12 | $12 | 0.00% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON T. PRESTON | 2600 SOUTH TELEGRAOH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | $0 | $37K | 10.67% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 4.37% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON PRESTON | 2600 SOUTH TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | DELTA DENTAL PLAN OF MAINE | $3K | $0 | $3K | 5.02% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $490 | $0 | $490 | 0.89% |
| LSG INSURANCE PARTNERS3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | HM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| LSG INSURANCE PARTNERS3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | DEARBORN NATIONAL | $2K | $0 | $2K | 9.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $365 | $3K | $4K | 58.10% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 10461 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $116 | $0 | $116 | 1.78% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $3K | $7K | 149.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 35371 NETWORK PLACE CHICAGO, IL 61673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $577 | $3K | $3K | 97.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 10461 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $97 | $0 | $97 | 2.88% |
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 | 4,035 | 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) | 4,035 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 800 | $6.3M |
| Dental(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 907 | $622K |
| Vision(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 3,239 | $475K |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,035 | $2.2M |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,035 | $2.2M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,035 | $1.7M |
| Prescription drug(5 contracts, 5 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 800 | $6.3M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,035 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,035 | — |
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."
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.