| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | P.O. BOX 905494 CHARLOTTE, NC 282900549 | AETNA LIFE INSURANCE COMPANY | $1.2M | — | $1.2M | 0.21% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $813K | — | $813K | 0.15% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606730129 | AETNA LIFE INSURANCE COMPANY | $624K | — | $624K | 0.11% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ AND GOLDMAN | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | AETNA LIFE INSURANCE COMPANY | $361K | — | $361K | 0.07% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $3.6M | — | $3.6M | 0.78% |
| TRUE3 LLC3 | 5 S MAIN ST BRANFORD, CT 064053800 | UNITEDHEALTHCARE INSURANCE COMPANY | $2.1M | — | $2.1M | 0.45% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $1.2M | — | $1.2M | 0.26% |
| JOHN L HODSON3 | 5 S MAIN ST BRANFORD, CT 064053800 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 0.01% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | OXFORD HEALTH INSURANCE, INC | $6.4M | — | $6.4M | 1.49% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $1.6M | — | $1.6M | 1.38% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC. | 2369 FRANKLIN ROAD BLOOMFIELD HILLS, MI 483020333 | KAISER FOUNDATION HEALTH PLAN, INC. | $1.3M | — | $1.3M | 1.35% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC. | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD, MI 48302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $805K | $583K | $1.4M | 2.33% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HARVARD PILGRIM HEALTH CARE | $609K | — | $609K | 1.50% |
| TRUE 3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | NEIGHBORHOOD HEALTH PARTNERSHIP | $507K | — | $507K | 1.37% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | EMPIRE HEALTHCHOICE HMO, INC. | $414K | — | $414K | 1.33% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2369 FRANKLIN ROAD BLOOMFIELD, MI 48302 | HUMANA INSURANCE COMPANY | $448K | $162K | $610K | 1.98% |
| PRESTON, JEFFERSON T3 Filed as: PRESTON T JEFFERSON | 2369 FRANKLIN BLOOMFIELD, MI 48302 | HUMANA INSURANCE COMPANY | $76 | — | $76 | 0.00% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $391K | — | $391K | 1.50% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | VISION SERVICE PLAN | $735K | — | $735K | 3.00% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 064053800 | VISION SERVICE PLAN | $490K | — | $490K | 2.00% |
| LSG INSURANCE PARTNERS3 | 2369 FRANKLIN ROAD BLOOMFIELD, MI 48302 | DELTA DENTAL INSURANCE COMPANY | $212K | — | $212K | 0.89% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DELTA DENTAL INSURANCE COMPANY | $108K | — | $108K | 0.46% |
| PRESTON, JEFFERSON T3 | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $338K | $241K | $579K | 2.55% |
| LSG INSURANCE PARTNERS3 | JEFFERSON T PRESTON 2600 TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483020968 | MEDICA INSURANCE COMPANY | $234K | — | $234K | 1.37% |
| TRUE3 LLC3 Filed as: TRUE3, LLC | 5 S. MAIN STREET BRANDFORD, CT 06505 | TUFTS INSURANCE COMPANY | $234K | — | $234K | 1.50% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC. | 2369 FRANKLIN ROAD BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $454K | — | $454K | 3.62% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC | 2600 S TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 48302 | UNITEDHEALTHCARE OF CALIFORNIA | $187K | — | $187K | 1.50% |
| PRESTON, JEFFERSON T3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN, INC | $79K | $29K | $109K | 0.91% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN, INC | $28K | $3K | $31K | 0.26% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $83K | — | $83K | 1.31% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HPHC INSURANCE COMPANY | $83K | — | $83K | 1.50% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | MATTHEW THORNTON HEALTH PLAN, INC. | $77K | — | $77K | 1.46% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | $66K | — | $66K | 1.50% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON T. PRESTON | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN OF OHIO, INC. | $63K | $43K | $106K | 2.47% |
| PRESTON, JEFFERSON T3 Filed as: PRESTON JEFFERSON T | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 48302 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $44K | $27K | $71K | 2.35% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2369 FRANKLIN RD P. O. BOX 3000 BLOOMFIELD, MI 48302 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CO. | $40K | $28K | $69K | 2.49% |
| PRESTON, JEFFERSON T3 Filed as: PRESTON, JEFFERSON T. | 2600 S TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $17K | — | $17K | 1.46% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $27K | — | $27K | 2.44% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DENTEGRA INSURANCE COMPANY | $8K | — | $8K | 1.32% |
| LSG INSURANCE PARTNERS3 | 2369 FRANKLIN ROAD BLOOMFIELD, MI 48302 | DENTEGRA INSURANCE COMPANY | $194 | — | $194 | 0.03% |
| PRESTON, JEFFERSON T3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | REGENCE BLUESHIELD | $5K | — | $5K | 1.08% |
| LSG INSURANCE PARTNERS3 | 2369 FRANKLIN ROAD BLOOMFIELD HILLS, MI 48302 | SIMNSA | $3K | — | $3K | 1.35% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BEN ADMIN LLC | P.O. BOX 310502 DES MOINES, IA 503310502 | KANAWHA INSURANCE COMPANY | $41K | — | $41K | 41.27% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 1116 HAMMONTON, NJ 080375116 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 2.68% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | GROUP HEALTH OPTIONS, INC. | $1K | — | $1K | 1.46% |
| PRESTON, JEFFERSON T3 | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA INSURANCE COMPANY OF KENTUCKY | $411 | $36 | $447 | 1.60% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | GROUP HEALTH COOPERATIVE | $143 | — | $143 | 1.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUBIN SCHWARTZ AND GOLDMAN EIN 38-1793770 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $6.2M |
| TRUE 3 LLC EIN 26-1344637 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $3.9M |
| ADP TOTALSOURCE, INC. EIN 59-3216484 EMPLOYER | Direct payment from the plan; Plan Administrator Service code 14 | — | $1.0M |
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 | 290,060 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,922 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19,345 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 313,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(30 contracts, 30 carriers) | AETNA LIFE INSURANCE COMPANY | 287,810 | $2.0B |
| Dental(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 287,810 | $631.6M |
| Vision(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 196,051 | $171.2M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 287,810 | $547.9M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 287,810 | $547.9M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 287,810 | $547.8M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 3,802 | $31.0M |
| Other | AETNA LIFE INSURANCE COMPANY | 287,810 | $547.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287,810 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.