| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $30K | $0 | $30K | 4.74% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | MEDICAL MUTUAL OF OHIO | $22K | $0 | $22K | 3.83% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 2.48% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC LLC | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $768 | — | $768 | 0.28% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $11K | $0 | $11K | 3.86% |
| INSURANCE CONSULTING ASSOCIATES LLC Filed as: INSURANCE CONSULTING ASSOC LLC | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $659 | — | $659 | 0.24% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 2.54% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 2.66% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 2.95% |
| INSURANCE CONSULTING ASSOCIATES LLC Filed as: INSURANCE CONSULTING ASSOC LLC | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $300 | $0 | $300 | 0.28% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 3.21% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC LLC | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $348 | $0 | $348 | 0.34% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 2.22% |
| INSURANCE CONSULTING ASSOCIATES LLC1 Filed as: INSURANCE CONSULTING ASSOC LLC | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $279 | $0 | $279 | 0.31% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 13.00% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 2.90% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 2.87% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 3.25% |
| INSURANCE CONSULTING ASSOCIATES LLC3 Filed as: INSURANCE CONSULTING ASSOC LLC | 27750 STANSBURY #100 FARMINGTON HILLS, MI 48334 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $453 | $0 | $453 | 0.91% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | $0 | $1K | 3.00% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.00% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $1K | $0 | $1K | 2.87% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $678 | $0 | $678 | 1.66% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | DELTA DENTAL OF MICHIGAN | $998 | $0 | $998 | 2.57% |
| LSG INSURANCE PARTNERS | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.00% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | EYEMED VISION CARE | $2K | $0 | $2K | 5.46% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CARE NETWORK OF MICHIGAN | $798 | $0 | $798 | 2.79% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $403 | $0 | $403 | 2.88% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $352 | $0 | $352 | 2.75% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $368 | $0 | $368 | 3.04% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $241 | $0 | $241 | 2.22% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $253 | $0 | $253 | 2.92% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $157 | $0 | $157 | 2.80% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $129 | $0 | $129 | 2.38% |
| LSG INSURANCE PARTNERS3 | 2600 S TELEGRAPH S-100 BLOOMFIELD HILLS, MI 48302 | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | $4K | $0 | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE HEALTH INSURANCE MNGMNT EIN 38-2776173 NONE | Claims processing Service code 12 | 26711 NORTHWESTERN HWY SUITE 400 SOUTHFIELD, MI 48033 | $23K |
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 | 354 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(18 contracts) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 35 | $1.2M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 670 | $313K |
| Vision | EYEMED VISION CARE | 727 | $34K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 493 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $83K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT INC | 375 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.