| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBRA A YOUNGS3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $130K | — | $130K | 2.84% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE & CO., INC | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.11% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 2.93% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DR ADRIAN, MI 492218780 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $9K | $40K | 18.43% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD SUITE H1 NEW CASTLE, PA 161056145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $882 | $882 | 0.41% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | P.O. BOX 1801 ADRIAN, MI 492217801 | VISION SERVICE PLAN | $2K | — | $2K | 2.86% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE P.O. BOX 1801 ADRIAN, MI 492218780 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE P.O. BOX 1801 ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $523 | $2K | 19.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE P.O. BOX 1801 ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $359 | $2K | 19.00% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $328 | — | $328 | 18.33% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $803 | — | $803 | 54.11% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE P.O. BOX 1801 ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $192 | $51 | $243 | 18.97% |
| SCHILLER & ASSOCIATES LLC4 Filed as: SCHILLER & ASSOCIATES | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $244 | — | $244 | 33.89% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $243 | — | $243 | 39.90% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $62 | — | $62 | 56.88% |
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 929 | $4.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,074 | $226K |
| Vision | VISION SERVICE PLAN | 328 | $81K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 369 | $224K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 369 | $229K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 369 | $217K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 929 | $4.6M |
| Other(10 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,074 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.