| 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 | $63K | — | $63K | 3.74% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 4.34% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.28% |
| KAPNICK & COMPANY, INC.3 | P. O. BOX 1801 ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $805 | $805 | 2.13% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| KAPNICK & COMPANY, INC.3 | P. O. BOX 1801 ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $835 | $835 | 2.27% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.62% |
| KAPNICK & COMPANY, INC.3 | P. O. BOX 1801 ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $728 | $728 | 2.14% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | P.O. BOX 1801 ADRIAN, MI 49221 | VISION SERVICE PLAN | $1K | — | $1K | 5.27% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 49221 | HEALTH ALLIANCE PLAN | $801 | — | $801 | 3.91% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 333 INDUSTRIAL DR ADRIAN, MI 49221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 58.44% |
| THOMAS W BOSTON3 Filed as: THOMAS A. DANKO | 2030 34 MILE ROAD BRUCE TWP, MI 48065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $930 | — | $930 | 5.28% |
| ANTHONY BUDIMEROVICH3 Filed as: ANTHONY J. BUDIMERIVOCH | 625 E. BIG BEAVER ROAD SUITE 103 TROY, MI 48083 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | — | $447 | 2.54% |
| SHAUN M KLUG | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.45% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48101 | GERBER LIFE INSURANCE COMPANY | $298 | — | $298 | 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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 28 | $18K |
| Dental | DELTA DENTAL OF MICHIGAN | 381 | $159K |
| Vision | VISION SERVICE PLAN | 149 | $22K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $71K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $38K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.