| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE3 LLC3 | 5 S MAIN ST BRANFORD, CT 064053800 | UNITEDHEALTHCARE INSURANCE COMPANY | $4.3M | — | $4.3M | 0.61% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $4.1M | — | $4.1M | 0.59% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIEL HILLS, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $2.0M | — | $2.0M | 0.28% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $692K | — | $692K | 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 | $365K | — | $365K | 0.06% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | OXFORD HEALTH INSURANCE, INC | $8.1M | — | $8.1M | 1.49% |
| AMWINS3 Filed as: AMWINS GROUP BENEFIT INC. | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | OXFORD HEALTH INSURANCE, INC | — | $33K | $33K | 0.01% |
| NORTH SHORE-LIJ CARECONNECT INS AGE3 Filed as: NORTH SHORE-LIJ CARECONNECT INS | 2200 NORTHERN BLVD EAST HILLS, NY 11548 | OXFORD HEALTH INSURANCE, INC | — | $6K | $6K | 0.00% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ AND GOLDMAN | 2600 S TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 48302 | AETNA HEALTH, INC. | $323K | — | $323K | 0.13% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 06405 | AETNA HEALTH, INC. | $10K | — | $10K | 0.00% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN, INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | KAISER FOUNDATION HEALTH PLAN, INC. | $2.1M | — | $2.1M | 1.57% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $1.7M | — | $1.7M | 1.56% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | EMPIRE HEALTHCHOICE HMO, INC. | $1.5M | — | $1.5M | 1.56% |
| 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 | $1.0M | $765K | $1.8M | 2.34% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILL, MI 48302 | BLUE CROSS OF CALIFORNIA | $895K | — | $895K | 1.38% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606730129 | AETNA LIFE INSURANCE COMPANY | $2.0M | — | $2.0M | 3.05% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HARVARD PILGRIM HEALTH CARE | $814K | — | $814K | 1.59% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA INSURANCE COMPANY | $640K | $274K | $914K | 2.07% |
| PRESTON, JEFFERSON T3 Filed as: PRESTON T JEFFERSON | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA INSURANCE COMPANY | $134 | $54 | $188 | 0.00% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | DELTA DENTAL INSURANCE COMPANY | $340K | — | $340K | 0.93% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DELTA DENTAL INSURANCE COMPANY | $154K | — | $154K | 0.42% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | VISION SERVICE PLAN | $917K | — | $917K | 2.97% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 064053800 | VISION SERVICE PLAN | $612K | — | $612K | 1.98% |
| LSG INSURANCE PARTNERS3 | JEFFERSON T PRESTON 2600 TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483020968 | MEDICA INSURANCE COMPANY | $422K | — | $422K | 1.49% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $421K | — | $421K | 1.50% |
| JAY R SCHREIBMAN3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $853K | — | $853K | 3.20% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 483028302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $24K | $24K | 0.09% |
| PRESTON, JEFFERSON T3 | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $334K | $141K | $475K | 2.09% |
| JAY R SCHREIBMAN3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | $574K | — | $574K | 3.48% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | — | $21K | $21K | 0.13% |
| PRESTON, JEFFERSON T3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN, INC | $121K | $61K | $183K | 1.15% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN, INC | $82K | $34K | $116K | 0.73% |
| TRUE3 LLC3 Filed as: TRUE3, LLC | 5 S. MAIN STREET BRANDFORD, CT 06505 | TUFTS INSURANCE COMPANY | $235K | — | $235K | 1.52% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $165K | — | $165K | 1.30% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HPHC INSURANCE COMPANY | $172K | — | $172K | 1.74% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | MATTHEW THORNTON HEALTH PLAN, INC. | $92K | — | $92K | 1.12% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD, MI 48302 | UNITEDHEALTHCARE OF CALIFORNIA | $91K | — | $91K | 1.50% |
| PRESTON, JEFFERSON T3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | REGENCE BLUESHIELD | $79K | — | $79K | 1.40% |
| PRESTON, JEFFERSON T3 Filed as: PRESTON JEFFERSON T | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $60K | $34K | $94K | 2.36% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON T. PRESTON | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN OF OHIO, INC. | $42K | $16K | $58K | 1.98% |
| 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 | $38K | $2K | $40K | 1.55% |
| JEFFERSON T PRESTON3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $34K | — | $34K | 1.36% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CO. | $32K | $14K | $46K | 2.06% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $28K | — | $28K | 1.99% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $9K | — | $9K | 0.62% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | $17K | — | $17K | 1.60% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DENTEGRA INSURANCE COMPANY | $12K | — | $12K | 1.28% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | DENTEGRA INSURANCE COMPANY | $671 | — | $671 | 0.07% |
| JEFFERSON T PRESTON3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $5K | — | $5K | 1.46% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | MEDIEXCEL HEALTH PLAN | $4K | — | $4K | 1.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGEWORKS, INC. EIN 94-3351864 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1.1M |
| PRICEWATERHOUSECOOPERS LLP NONE | Consulting (general); Direct payment from the plan Service code 16 | P.O. BOX 7247-8001 PHILADELPHIA, PA 191708001 | $310K |
| CROWE LLP NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | P.O. BOX 71570 CHICAGO, IL 606941570 | $38K |
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 | 364,427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,729 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22,800 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(30 contracts, 30 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 165,534 | $2.6B |
| Dental(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 165,534 | $711.5M |
| Vision(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 242,258 | $238.0M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 335,577 | $64.9M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 335,577 | $64.9M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 4,127 | $43.2M |
| Other | AETNA LIFE INSURANCE COMPANY | 335,577 | $64.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335,577 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.