| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDI FRANZ3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PRIORITY HEALTH INSURANCE COMPANY | $102K | $0 | $102K | 5.02% |
| BRANDI FRANZ3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PRIORITY HEALTH | $19K | $0 | $19K | 5.03% |
| BRANDI FRANZ3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PRIORITY HEALTH INSURANCE COMPANY | $15K | $0 | $15K | 4.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $3K | $152 | $3K | 2.84% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | AMERICAN UNITED LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| STAPLETON GROUP, INC.3 Filed as: STAPLETON GROUP INC. | PO BOX 1118 SYLVANIA, OH 43560 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.99% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 769 CHICAGO ROAD, 3RD FLOOR TROY, MI 48083 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.65% |
| BRANDI FRANZ3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PRIORITY HEALTH | $3K | $0 | $3K | 5.74% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DRIVE ANN ARBOR, MI 48108 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.06% |
| STAPLETON GROUP, INC.3 Filed as: STAPLETON GROUP INC. | 122 NORTH MAIN STREET SWANTON, OH 43558 | VISION SERVICE PLAN | $416 | $0 | $416 | 2.10% |
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 | 192 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 342 | $2.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 413 | $118K |
| Vision(2 contracts) | VISION SERVICE PLAN | 192 | $44K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 309 | $167K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 309 | $167K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 309 | $167K |
| Prescription drug(4 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 342 | $2.8M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 309 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.