| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $24K | $0 | $24K | 2.33% |
| SCOTT SETTLE3 | 4000 TOWN CENTER DRIVE, SUITE 8 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 0.81% |
| LSG INSURANCE PARTNERS3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $826 | $826 | 0.08% |
| JAY R SCHREIBMAN3 Filed as: JAY R. SCHREIBMAN | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $19K | $0 | $19K | 1.94% |
| SCOTT SETTLE3 | 4000 TOWN CENTER DRIVE, SUITE 8 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $5K | $0 | $5K | 0.45% |
| LSG INSURANCE PARTNERS3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.62% |
| USI INSURANCE SERVICES LLC3 | 2600 WEST BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.54% |
| LSG INSURANCE PARTNERS3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.40% |
No Schedule C service providers reported on this filing.
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 366 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 366 | $1.0M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 366 | $1.0M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 88 | $131K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 88 | $131K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 88 | $131K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 366 | $2.0M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 88 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.