| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DRIVE, PO BOX 1801 ADRIAN, MI 492217801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $82K | $21K | $103K | 5.82% |
| THE UFER GROUP3 | 2349 E. STADIUM BLVD. ANN ARBOR, MI 48104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $10K | $53K | 3.00% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 0.65% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DR STE 330 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 12.04% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DRIVE, PO BOX 1801 ADRIAN, MI 492217801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 4.41% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | PO BOX 1801 ADRIAN, MI 492217801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.43% |
| THE UFER GROUP3 | 2349 E STADIUM BLVD ANN ARBOR, MI 48104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.87% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INC. | 2122 KRATKY RD. ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.52% |
| JAMES F. SALTER3 | 72 SHEPHERD LANE PORTLAND, ME 04103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $429 | — | $429 | 0.38% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DRIVE, PO BOX 1801 ADRIAN, MI 492217801 | VISION SERVICE PLAN | $2K | — | $2K | 2.94% |
| THE UFER GROUP3 | 2349 E STADIUM BLVD ANN ARBOR, MI 48104 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| WILSHIRE BENEFITS GROUP INC3 Filed as: WILSHIRE BENEFITS GROUP, INC. | 901 WILSHIRE DR STE 330 TROY, MI 48084 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 1100 SUPERIOR AVE., #1500 CLEVELAND, OH 44114 | FEDERAL INSURANCE COMPANY | $497 | — | $497 | 15.87% |
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 | 842 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 537 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 775 | $1.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 775 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 775 | $1.8M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 842 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 842 | — |
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.
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.