| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE UFER GROUP3 | 1201 BRIARWOOD CIR ANN ARBOR, MI 48108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86K | $20K | $106K | 8.70% |
| NAPCO INC3 | 30301 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $618 | $9K | 0.73% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 1201 BRIARWOOD CIR ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $17K | — | $17K | 2.96% |
| THE UFER GROUP3 | 1201 BRIARWOOD CIR ANN ARBOR, MI 48108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $3K | $31K | 16.64% |
| NAPCO INC3 | 30301 NORTHWESTERN HWY STE 200 FARMINGTON HILLS, MI 48834 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $1K | $29K | 15.75% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | PO BOX 1801 ADRIAN, MI 492217801 | VISION SERVICE PLAN | $2K | — | $2K | 3.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1620 5TH AVE SAN DIEGO, CA 92101 | FEDERAL INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 734 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,225 | $566K |
| Vision | VISION SERVICE PLAN | 410 | $48K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 637 | $1.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 637 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 637 | $1.2M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 734 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,225 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.