| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIEL HILLS, MI 483020968 | UNITEDHEALTHCARE INSURANCE COMPANY | $466K | — | $466K | 0.05% |
| TRUE3 LLC3 | 5 S MAIN ST BRANFORD, CT 064053800 | UNITEDHEALTHCARE INSURANCE COMPANY | $357K | — | $357K | 0.04% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC PA | — | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 0.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC | — | AETNA LIFE INSURANCE COMPANY | — | $197K | $197K | 0.03% |
| TRUE3 LLC3 | 5 SOUTH MAIN ST BRANFORD, CT 06405 | OXFORD HEALTH INSURANCE, INC | $580K | — | $580K | 0.10% |
| AMWINS3 Filed as: AMWINS GROUP BENEFIT INC. | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | OXFORD HEALTH INSURANCE, INC | — | $482K | $482K | 0.08% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $411K | — | $411K | 0.16% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ & GOLDMAN, INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483020968 | KAISER FOUNDATION HEALTH PLAN, INC. | $339K | — | $339K | 0.18% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 48302 | AETNA HEALTH, INC. | $18K | — | $18K | 0.01% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | — | BLUE CROSS OF CALIFORNIA | $184K | — | $184K | 0.18% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD, MI 48302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1.1M | $721K | $1.8M | 2.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $1.9M | $413K | $2.3M | 3.03% |
| TRUE 3 LLC3 | 5 S MAIN ST BRANFORD, CT 06405 | AETNA LIFE INSURANCE COMPANY | $428K | — | $428K | 0.70% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN SCHWARTZ AND GOLDMAN | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | AETNA LIFE INSURANCE COMPANY | $395K | — | $395K | 0.65% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | DELTA DENTAL INSURANCE COMPANY | $453K | — | $453K | 0.91% |
| TRUE 3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | DELTA DENTAL INSURANCE COMPANY | $168K | — | $168K | 0.34% |
| GBS SPECIALTY MARKETS, LLC3 Filed as: GBS SPECIALTY MARKETS LLC | — | DELTA DENTAL INSURANCE COMPANY | $42K | — | $42K | 0.08% |
| LSG INSURANCE PARTNERS3 | JEFFERSON T PRESTON 2600 TELEGRAPH RD, STE 100 BLOOMFIELD HILLS, MI 483020968 | MEDICA INSURANCE COMPANY | $36K | — | $36K | 0.09% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN, INC | $49K | $171K | $219K | 0.59% |
| PRESTON, JEFFERSON T3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN, INC | $61 | — | $61 | 0.00% |
| LUBIN SCHWARTZ & GOLDMAN3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | VISION SERVICE PLAN | $955K | — | $955K | 2.74% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 064053800 | VISION SERVICE PLAN | $695K | — | $695K | 1.99% |
| 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. | $27K | $112K | $139K | 0.52% |
| PRITCHARD & JERDEN INC3 | STE 2000 950 E PACES FERRY DR NE ATLANTA, GA 303261384 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $22K | $2K | $24K | 0.09% |
| PRESTON, JEFFERSON T3 | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $98 | — | $98 | 0.00% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | $755K | — | $755K | 2.88% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $30K | $30K | 0.11% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $21K | — | $21K | 0.11% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | — | BLUE CARE NETWORK OF MICHIGAN | $550K | — | $550K | 2.82% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS DBA | — | BLUE CARE NETWORK OF MICHIGAN | — | $28K | $28K | 0.14% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA INSURANCE COMPANY | $41K | $82K | $123K | 0.73% |
| PRESTON, JEFFERSON T3 Filed as: PRESTON T JEFFERSON | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA INSURANCE COMPANY | — | $81 | $81 | 0.00% |
| PRITCHARD & JERDEN INC3 | STE 2000 950 E PACES FERRY DR NE ATLANTA, GA 303261384 | HUMANA INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | MATTHEW THORNTON HEALTH PLAN, INC. | $83K | — | $83K | 0.92% |
| PRESTON, JEFFERSON T3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | REGENCE BLUESHIELD | $10K | — | $10K | 0.16% |
| 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 | $23K | $3K | $26K | 0.52% |
| JEFFERSON T PRESTON3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $196 | — | $196 | 0.01% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC. | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CO. | $2K | $11K | $13K | 0.50% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN OF OHIO, INC. | $3K | $7K | $9K | 0.47% |
| JEFFERSON T PRESTON3 Filed as: JEFFERSON T. PRESTON | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 483020968 | HUMANA HEALTH PLAN OF OHIO, INC. | — | $4K | $4K | 0.20% |
| TRUE3 LLC3 | 5 SOUTH MAIN STREET BRANFORD, CT 06405 | ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC. | $18K | — | $18K | 0.99% |
| 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. | $1K | $9K | $10K | 0.66% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | — | $1K | 0.08% |
| 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 | $766 | — | $766 | 0.06% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | MEDIEXCEL HEALTH PLAN | $695 | — | $695 | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MILLIMAN NONE | Direct payment from the plan; Consulting (general); Actuarial Service code 11 | 1120 SOUTH 101ST STREET SUITE 400 OMAHA, NE 681241088 | $968K |
| LSG INSURANCE PARTNERS, INC EIN 38-1793770 NONE | Investment management fees paid indirectly by plan; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $514K |
| RR DONNELLY & SONS COMPANY NONE | Direct payment from the plan; Other services Service code 49 | P.O. BOX 842313 BOSTON, MA 022842313 | $394K |
| TRUE3 LLC EIN 26-1344637 NONE | Direct payment from the plan; Investment management fees paid indirectly by plan; Insurance agents and brokers Service code 22 | — | $317K |
| SANDY ALEXANDER NONE | Other services; Direct payment from the plan Service code 49 | 200 ENTIN RD CLIFTON, NJ 07014 | $97K |
| FREEMAN NONE | Other fees; Direct payment from the plan Service code 50 | P.O. BOX 650036 DALLAS, TX 752650036 | $68K |
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 | 415,899 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,900 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33,650 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 455,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(32 contracts, 32 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 897,327 | $3.2B |
| Dental(6 contracts, 6 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 145,473 | $453.2M |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 275,565 | $296.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 897,327 | $75.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 897,327 | $75.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 897,327 | $75.8M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 4,766 | $45.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 897,327 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.