| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $11K | $11K | 1.40% |
| ASSURED NL INS SVCS INC.3 Filed as: ASSURED NL INUSRNACE AGENCY INC. | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $178 | $178 | 0.02% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 14.34% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.58% |
| KAPNICK & COMPANY, INC.5 Filed as: KAPNICK AND COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.83% |
| AP BENEFITS ADVISORS LLC5 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.83% |
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 | 179 | 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. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $782K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $782K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $59K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $59K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $59K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $782K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.