| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM SCHWARZENBART3 | 800 MAIN ST DUBUQUE, IA 52001 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $63K | — | $63K | 1.49% |
| DAVID F. HUNTZICKER3 Filed as: DAVID F HUNTZICKER | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 0.13% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $9K | $56K | 12.63% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 880 W LONG LAKE RD #500 TROY, MI 48098 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11 | $11 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $7K | $38K | 12.96% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 880 W. LONG LAKE RD #500 TROY, MI 48098 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11 | $11 | 0.00% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 23.68% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 880 W. LONG LAKE RD #500 TROY, MI 48098 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11 | $11 | 0.02% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE | SERVICES LLC PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $804 | $8K | 23.15% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 880 W. LONG LAKE RD #500 TROY, MI 48098 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11 | $11 | 0.03% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS | SERVICES INC 800 MAIN STREET DUBUQUE, IA 52004 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | — | $4K | 13.07% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $544 | $544 | 1.89% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SERVI | PO BOX 28 DUBUQUE, IA 52004 | METROPOLITAN LIFE INSURANCE COMPANY | — | $880 | $880 | — |
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 | 673 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 940 | $4.3M |
| Dental(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $736K |
| Vision(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $736K |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $736K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $736K |
| Long-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $736K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 940 | $4.2M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.