| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD, MI 48302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $10K | $53K | 13.10% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 53713 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 1.33% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $104 | — | $104 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | VISION SERVICE PLAN | $1K | — | $1K | 0.79% |
| LUBIN SCHWARTZ & GOLDMAN3 Filed as: LUBIN, SCHWARTZ & GOLDMAN | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 483020968 | VISION SERVICE PLAN | $924 | — | $924 | 0.63% |
| LSG INSURANCE PARTNERS3 | 2600 S. TELEGRAPH, SUITE 100 BLOOMFIELD HILLS, MI 48302 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
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 | 699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 706 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 445 | $148K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 696 | $408K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 696 | $408K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 696 | $408K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 966 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 966 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.