| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 49221 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $61K | — | $61K | 3.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF DETROIT | 35735 MOUND ROAD P. O. BOX 8029 STERLING HEIGHTS, MI 48311 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 0.50% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 4.70% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.59% |
| KAPNICK & COMPANY, INC.3 | P. O. BOX 1801 ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $194 | $194 | 0.54% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| KAPNICK & COMPANY, INC.3 | P. O. BOX 1801 ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $233 | $233 | 0.72% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.91% |
| KAPNICK & COMPANY, INC.3 | P. O. BOX 1801 ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $175 | $175 | 0.54% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 49221 | HEALTH ALLIANCE PLAN | $1K | — | $1K | 3.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | 35735 MOUND ROAD P. O. BOX 8029 STERLING HEIGHTS, MI 48311 | HEALTH ALLIANCE PLAN | -$1K | — | -$1K | -5.07% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | P.O. BOX 1801 ADRIAN, MI 49221 | VISION SERVICE PLAN | $1K | — | $1K | 5.42% |
| ANTHONY BUDIMEROVICH3 Filed as: ANTHONY J. BUDIMERIVOCH | 625 E. BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $497 | $72 | $569 | 4.76% |
| MICHELLE MILLER3 Filed as: MICHELLE MARIE MILLER | P. O. BOX 40392 BAY VILLAGE, OH 44140 | AFLAC | $334 | — | $334 | 2.80% |
| ALAN BERGMANN3 | 707 PRUDDEN ST UNIT 101 LANSING, MI 48906 | AFLAC | $228 | — | $228 | 1.91% |
| THOMAS FRAZEE3 Filed as: THOMAS M. FRAZEE | 5318 HIDDEN PINES CT BRIGHTON, MI 48116 | AFLAC | $154 | — | $154 | 1.29% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DR ADRIAN, MI 49221 | AFLAC | $117 | — | $117 | 0.98% |
| CRP BENEFIT SERVICES INC3 Filed as: CRP BENEFIT SERVICES, INC. | 6000 LOMBARDO CENTERS SUITE 145 SEVEN HILLS, OH 44131 | AFLAC | $56 | — | $56 | 0.47% |
| MICHAEL KAMINSKI3 Filed as: MICHAEL C. KAMINSKI | 13400 TINKERS CREEK ROAD VALLEY VIEW, OH 44125 | AFLAC | $51 | — | $51 | 0.43% |
| THOMAS W BOSTON3 Filed as: THOMAS A. DANKO | 2030 34 MILE ROAD BRUCE TWP, MI 48065 | AFLAC | $37 | — | $37 | 0.31% |
| ALAN BERGMANN3 | 284 TWIN PONDS DR OKEMOS, MI 48864 | AFLAC | $35 | — | $35 | 0.29% |
| DON LLOYD3 | 6505 ROCKSIDE ROAD SUITE 125 INDEPENDENCE, OH 44131 | AFLAC | $27 | — | $27 | 0.23% |
| MAKOWSKI INS AGCY INC3 | 3404 WOODCHIP LANE BROADVIEW HTS, OH 44147 | AFLAC | $23 | — | $23 | 0.19% |
| ANDREW K GLAUB3 Filed as: ANDREW K. GLAUB | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $18 | — | $18 | 0.15% |
| THOMAS W BOSTON3 Filed as: THOMAS A. DANKO | 51110 SHADOW RIDGE DR MACOMB, MI 48042 | AFLAC | $3 | $12 | $15 | 0.13% |
| STEPHEN A GRACIN3 Filed as: STEPHEN A. GRACIN | 625 E. BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | AFLAC | $13 | — | $13 | 0.11% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY R. QUINLAN | 137 SEMICONON LN RENFREW, PA 16053 | AFLAC | $13 | — | $13 | 0.11% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $13 | — | $13 | 0.11% |
| MICHELLE J HALLER3 Filed as: MICHELLE CALVIN | P.O. BOX 99 JONESVILLE, MI 49250 | AFLAC | $12 | — | $12 | 0.10% |
| MILLICENT DASGUPTA3 | 29251 PINETREE DRIVE SOUTHFIELD, MI 48076 | AFLAC | $8 | — | $8 | 0.07% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER LLC | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $7 | — | $7 | 0.06% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.05% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.05% |
| ANGELA FANKHAUSER3 Filed as: ANGELA M. FANKHAUSER | 6000 BUCKBOARD LN SOLON, OH 44139 | AFLAC | $5 | — | $5 | 0.04% |
| NICHOLAS A SHERMAN3 Filed as: NICHOLAS A. SHERMAN | 7321 SKYLINE DR E APT 308 COLUMBUS, OH 43235 | AFLAC | $4 | — | $4 | 0.03% |
| BEN A HALL3 Filed as: BEN A. HALL, JR. | 9409 WHALERS CV MENTOR, OH 44060 | AFLAC | $4 | — | $4 | 0.03% |
| THOMAS WESLEY3 Filed as: THOMAS J. WESLEY | 837 MOSS CANYON DRIVE AMHERST, OH 44001 | AFLAC | $4 | — | $4 | 0.03% |
| CHARLES V GLAUB3 Filed as: CHARLES V. GLAUB | 5458 PARKSIDE DR BRIGHTON, MI 48114 | AFLAC | $3 | — | $3 | 0.03% |
| JAMES C SNIDER JR3 Filed as: JAMES C. SNIDER JR | 2461 W. STATE ROAD 426 SUITE 2061 OVIEDO, FL 32765 | AFLAC | $3 | — | $3 | 0.03% |
| KEVIN WRONA3 | 4086 FAR O WAY LN RICHFIELD, OH 44286 | AFLAC | $3 | — | $3 | 0.03% |
| TIMOTHY R QUINLAN3 Filed as: TIMOTHY R. QUINLAN | 6505 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | AFLAC | $3 | — | $3 | 0.03% |
| MARC J HAIRE3 Filed as: MARC J. HAIRE | 9885 GREENHAVEN PARKWAY BREECKSVILLE, OH 44141 | AFLAC | $2 | — | $2 | 0.02% |
| A C LONG & ASSOCIATES INC3 Filed as: A C LONG & ASSOCIATES, INC. | 1113 MEDINA RD SUITE 500 MEDINA, OH 44256 | AFLAC | $1 | — | $1 | 0.01% |
| ROBERTA DICKINSON3 Filed as: ROBERTA S. DICKINSON | 11566 HARBOUR LIGHT DRIVE NORTH ROYALTON, OH 44133 | AFLAC | $1 | — | $1 | 0.01% |
| RANDALL L KIMBLER3 Filed as: RANDALL L. KIMBLER | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $1 | — | $1 | 0.01% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE L. KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $1 | — | $1 | 0.01% |
| OPPORTUNITY INC3 Filed as: OPPORTUNITY, INC. | 9404 WOODCHIP LN BROADVIEW HEIGHTS, OH 44147 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES A BURRESS3 Filed as: JAMES A. BURRESS | 6418 FAYBOROUGH CT DUBLIN, OH 43016 | AFLAC | $1 | — | $1 | 0.01% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48101 | GERBER LIFE INSURANCE COMPANY | $285 | — | $285 | 15.02% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 355 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 392 | $157K |
| Vision | VISION SERVICE PLAN | 151 | $21K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $36K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.