| 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 | $154K | $29K | $182K | 14.08% |
| 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 | $49K | $5K | $54K | 22.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DRIVE, PO BOX 1801 ADRIAN, MI 492217801 | VISION SERVICE PLAN | $2K | — | $2K | 3.04% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | PO BOX 1801 ADRIAN, MI 492217801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.50% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INC. | 2122 KRATKY RD. ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.00% |
| JAMES F. SALTER3 | 72 SHEPHERD LANE PORTLAND, ME 04103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $935 | — | $935 | 1.50% |
| 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 | 840 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 523 | $72K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 732 | $1.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 732 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 732 | $1.3M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 840 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 840 | — |
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.