| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $2.0M | — | $2.0M | 0.33% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $715K | — | $715K | 0.12% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ AND GOLDMAN | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | AETNA LIFE INSURANCE COMPANY | $362K | — | $362K | 0.06% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $3.7M | — | $3.7M | 0.65% |
| TRUE3 LLC3 | 5 S MAIN ST BRANFORD, CT 064053800 | UNITEDHEALTHCARE INSURANCE COMPANY | $3.1M | — | $3.1M | 0.54% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIEL HILLS, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $1.6M | — | $1.6M | 0.28% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | OXFORD HEALTH INSURANCE, INC | $7.2M | $324 | $7.2M | 1.48% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $3.1M | — | $3.1M | 1.56% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN, INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | KAISER FOUNDATION HEALTH PLAN, INC. | $1.5M | — | $1.5M | 1.32% |
| 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 | $924K | $667K | $1.6M | 2.32% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR. CALEDONIA, MI 49316 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $656 | $656 | 0.00% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HARVARD PILGRIM HEALTH CARE | $666K | — | $666K | 1.37% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA INSURANCE COMPANY | $521K | $204K | $725K | 2.06% |
| PRESTON, JEFFERSON T3 Filed as: PRESTON T JEFFERSON | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA INSURANCE COMPANY | $432 | $71 | $503 | 0.00% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | DELTA DENTAL INSURANCE COMPANY | $287K | — | $287K | 0.95% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DELTA DENTAL INSURANCE COMPANY | $123K | — | $123K | 0.40% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | VISION SERVICE PLAN | $760K | — | $760K | 2.74% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 064053800 | VISION SERVICE PLAN | $507K | — | $507K | 1.82% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $410K | — | $410K | 1.50% |
| LSG INSURANCE PARTNERS3 | JEFFERSON T PRESTON 2600 TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483020968 | MEDICA INSURANCE COMPANY | $330K | — | $330K | 1.36% |
| PRESTON, JEFFERSON T3 | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $340K | $140K | $480K | 2.11% |
| TRUE3 LLC3 Filed as: TRUE3, LLC | 5 S. MAIN STREET BRANDFORD, CT 06505 | TUFTS INSURANCE COMPANY | $268K | — | $268K | 1.49% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC. | 2369 FRANKLIN ROAD BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $487K | — | $487K | 3.31% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD, MI 48302 | UNITEDHEALTHCARE OF CALIFORNIA | $212K | — | $212K | 1.50% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN, INC | $146K | $5K | $151K | 1.19% |
| PRESTON, JEFFERSON T3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN, INC | $95K | $44K | $139K | 1.10% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $141K | — | $141K | 1.56% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HPHC INSURANCE COMPANY | $105K | — | $105K | 1.37% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | MATTHEW THORNTON HEALTH PLAN, INC. | $74K | — | $74K | 1.07% |
| PRESTON, JEFFERSON T3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | REGENCE BLUESHIELD | $53K | — | $53K | 1.36% |
| PRESTON, JEFFERSON T3 Filed as: PRESTON JEFFERSON T | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $57K | $23K | $80K | 2.13% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON T. PRESTON | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN OF OHIO, INC. | $50K | $25K | $75K | 2.36% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | EMPIRE HEALTHCHOICE HMO, INC. | $38K | — | $38K | 1.53% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CO. | $35K | $14K | $49K | 2.17% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILL, MI 48302 | ANTHEM BC LIFE AND HEALTH INC COMP | $24K | — | $24K | 1.10% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILL, MI 48302 | BLUE CROSS OF CALIFORNIA | $19K | — | $19K | 1.10% |
| 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 | $24K | — | $24K | 1.45% |
| JEFFERSON T PRESTON3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $20K | — | $20K | 1.48% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $8K | — | $8K | 0.62% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $11K | — | $11K | 0.96% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | $11K | — | $11K | 1.33% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DENTEGRA INSURANCE COMPANY | $10K | — | $10K | 1.29% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | DENTEGRA INSURANCE COMPANY | $474 | — | $474 | 0.06% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | SIMNSA | $4K | — | $4K | 1.35% |
| JEFFERSON T PRESTON3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $3K | — | $3K | 1.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGEWORKS, INC. EIN 94-3351864 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $1.1M |
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 | 341,865 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,539 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20,182 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 366,586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(31 contracts, 31 carriers) | AETNA LIFE INSURANCE COMPANY | 327,057 | $2.3B |
| Dental(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 327,057 | $717.7M |
| Vision(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 225,419 | $227.0M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 327,057 | $617.8M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 327,057 | $617.8M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 4,741 | $37.5M |
| Other | AETNA LIFE INSURANCE COMPANY | 327,057 | $617.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327,057 | — |
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.