| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | COMMUNITY INSURANCE COMPANY | $130K | — | $130K | 1.31% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | P.O. BOX 1801 ADRIAN, MI 49221 | COMMUNITY INSURANCE COMPANY | $12K | — | $12K | 0.12% |
| CORNERSTONE BROKER INS SERVICES3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | — | $420 | $420 | 0.00% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $10K | $25K | 6.87% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.40% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $726 | $726 | 0.20% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | DELTA DENTAL OF OHIO | $10K | — | $10K | 3.71% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF OHIO | $3K | — | $3K | 1.28% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | DELTA DENTAL OF OHIO | $8K | — | $8K | 3.53% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF OHIO | $3K | — | $3K | 1.26% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $9K | 8.41% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.39% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $217 | $217 | 0.20% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTION | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $296 | $11K | 20.34% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL BOULEVARD ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50 | $7 | $57 | 0.11% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.42% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $674 | — | $674 | 1.39% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $99 | $99 | 0.20% |
| BENEFIT REVIEW SERVICES INC3 Filed as: BENEFIT REVIEW SERVICES INC. | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.35% |
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 | 847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 2,033 | $10.0M |
| Dental(2 contracts) | DELTA DENTAL OF OHIO | 980 | $503K |
| Vision | COMMUNITY INSURANCE COMPANY | 2,033 | $10.0M |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 811 | $126K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 811 | $357K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 811 | $106K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 847 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,033 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.