| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANGELA M DEAN3 Filed as: ANGELA M. DEAN | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $139K | — | $139K | 1.49% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $10K | $10K | 0.11% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE RD 426 STE 2021 OVEIDO, FL 32765 | STANDARD INSURANCE COMPANY | — | $18K | $18K | 2.77% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 2.56% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF OHIO | $24K | — | $24K | 5.02% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 3.41% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE RD 426 STE 2021 OVEIDO, FL 32765 | STANDARD INSURANCE COMPANY | — | $14K | $14K | 3.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | STANDARD INSURANCE COMPANY | $53K | — | $53K | 20.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE RD 426 STE 2021 OVEIDO, FL 32765 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 3.01% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 3.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49921 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 2.90% |
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 | 910 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,608 | $9.3M |
| Dental | DELTA DENTAL OF OHIO | 1,576 | $476K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,608 | $9.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 910 | $251K |
| Short-term disability | STANDARD INSURANCE COMPANY | 688 | $649K |
| Long-term disability | STANDARD INSURANCE COMPANY | 691 | $474K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,608 | $9.3M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 307 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,608 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.