| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUE3 LLC3 | 5 S MAIN ST BRANFORD, CT 064053800 | UNITEDHEALTHCARE INSURANCE COMPANY | $4.2M | — | $4.2M | 0.52% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIEL HILLS, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $3.2M | — | $3.2M | 0.40% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $2.5M | — | $2.5M | 0.31% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $460K | — | $460K | 0.07% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ AND GOLDMAN | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | AETNA LIFE INSURANCE COMPANY | $379K | — | $379K | 0.06% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | — | AETNA LIFE INSURANCE COMPANY | — | $20K | $20K | 0.00% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | OXFORD HEALTH INSURANCE, INC | $7.2M | — | $7.2M | 1.23% |
| AMWINS3 Filed as: AMWINS GROUP BENEFIT INC. | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | OXFORD HEALTH INSURANCE, INC | — | $205K | $205K | 0.03% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2.9M | — | $2.9M | 1.30% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ AND GOLDMAN | 2600 S TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 48302 | AETNA HEALTH, INC. | $244K | — | $244K | 0.11% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 06405 | AETNA HEALTH, INC. | $627 | — | $627 | 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. | $2.0M | — | $2.0M | 1.21% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | — | BLUE CROSS OF CALIFORNIA | $878K | — | $878K | 0.93% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILL, MI 48302 | BLUE CROSS OF CALIFORNIA | $188K | — | $188K | 0.20% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD, MI 48302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1.1M | $786K | $1.8M | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $348 | $348 | 0.00% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $300 | $300 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606730129 | AETNA LIFE INSURANCE COMPANY | $2.1M | — | $2.1M | 2.98% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HARVARD PILGRIM HEALTH CARE | $579K | — | $579K | 1.16% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | DELTA DENTAL INSURANCE COMPANY | $439K | — | $439K | 1.01% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DELTA DENTAL INSURANCE COMPANY | $140K | — | $140K | 0.32% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA INSURANCE COMPANY | $500K | $240K | $740K | 1.83% |
| PRITCHARD & JERDEN INC3 | STE 2000 950 E PACES FERRY DR NE ATLANTA, GA 303261384 | HUMANA INSURANCE COMPANY | $899 | — | $899 | 0.00% |
| PRESTON, JEFFERSON T3 Filed as: PRESTON T JEFFERSON | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA INSURANCE COMPANY | $0 | $119 | $119 | 0.00% |
| LSG INSURANCE PARTNERS3 | JEFFERSON T PRESTON 2600 TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483020968 | MEDICA INSURANCE COMPANY | $425K | — | $425K | 1.21% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | VISION SERVICE PLAN | $993K | — | $993K | 3.03% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 064053800 | VISION SERVICE PLAN | $662K | — | $662K | 2.02% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG. INC. | $340K | — | $340K | 1.21% |
| PRESTON, JEFFERSON T3 | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $204K | $111K | $315K | 1.24% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $105K | $3K | $108K | 0.42% |
| PRITCHARD & JERDEN INC3 | STE 2000 950 E PACES FERRY DR NE ATLANTA, GA 303261384 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $1K | — | $1K | 0.00% |
| TRUE3 LLC3 Filed as: TRUE3, LLC | 5 S. MAIN STREET BRANDFORD, CT 06505 | TUFTS INSURANCE COMPANY | $232K | — | $232K | 1.15% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $243K | — | $243K | 1.30% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN, INC | $83K | $44K | $127K | 0.83% |
| PRESTON, JEFFERSON T3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN, INC | $69K | $44K | $114K | 0.74% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HPHC INSURANCE COMPANY | $152K | — | $152K | 1.44% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | MATTHEW THORNTON HEALTH PLAN, INC. | $121K | — | $121K | 1.35% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN INC | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD, MI 48302 | UNITEDHEALTHCARE OF CALIFORNIA | $58K | — | $58K | 1.21% |
| PRESTON, JEFFERSON T3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | REGENCE BLUESHIELD | $57K | — | $57K | 1.27% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON T. PRESTON | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $37K | — | $37K | 0.95% |
| 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 | $50K | $3K | $53K | 1.54% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON T. PRESTON | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN OF OHIO, INC. | $20K | $11K | $31K | 1.26% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN OF OHIO, INC. | $8K | $1K | $9K | 0.37% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CO. | $28K | $14K | $41K | 1.85% |
| PRESTON, JEFFERSON T3 Filed as: PRESTON JEFFERSON T | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $13K | $7K | $20K | 1.33% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $5K | $868 | $6K | 0.42% |
| JEFFERSON T PRESTON3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $12K | — | $12K | 0.81% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $22K | — | $22K | 1.60% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | HARVARD PILGRIM HEALTH CARE OF NE INC. - MA | $15K | — | $15K | 1.16% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DENTEGRA INSURANCE COMPANY | $15K | — | $15K | 1.28% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | DENTEGRA INSURANCE COMPANY | $812 | — | $812 | 0.07% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $29K | — | $29K | 3.16% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | EMPIRE HEALTHCHOICE HMO, INC. | $10K | — | $10K | 1.31% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | MEDIEXCEL HEALTH PLAN | $5K | — | $5K | 1.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM NONE | Other services; Direct payment from the plan Service code 49 | 12125 TECHNOLOGY DR. EDEN PRAIRIE, MN 55344 | $903K |
| WAGEWORKS, INC. EIN 94-3351864 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $826K |
| MILLIMAN NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | 1120 SOUTH 101ST STREET SUITE 400 OMAHA, NE 681241088 | $438K |
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 | 389,746 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28,489 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 423,344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(30 contracts, 30 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 171,826 | $2.9B |
| Dental(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 139,315 | $798.7M |
| Vision(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 261,373 | $255.1M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 382,306 | $70.1M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 382,306 | $70.1M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 4,262 | $41.9M |
| Other | AETNA LIFE INSURANCE COMPANY | 382,306 | $70.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382,306 | — |
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.