| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4000 TOWN CENTER, SUITE 800 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $66K | $0 | $66K | 0.86% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT DRIVE, SUITE 40 VALHALLA, NY 10595 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $55K | $0 | $55K | 6.08% |
| USI INSURANCE SERVICES LLC3 | 2600 WEST BIG BEAVER ROAD SUITE 140 TROY, MI 48084 | RELIASTAR LIFE INSURANCE COMPANY | $37K | $0 | $37K | 4.05% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | DELTA DENTAL OF MICHIGAN | $10K | $0 | $10K | 1.91% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71K | $0 | $71K | 19.85% |
| JERRY MANNING3 | 220 NORTH SOUTH GREEN STREET CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57K | $0 | $57K | 50.00% |
| USI INSURANCE SERVICES LLC3 | 333 BRIDGE STREET NW SUITE 400 GRAND RAPIDS, MI 49504 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34K | $0 | $34K | 29.80% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 NORTH ILLINOIS ROUTE 83, SUITE 110 ROUND LAKE, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | $0 | $23K | 20.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $675 | $675 | 2.15% |
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 | 709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,214 | $7.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,369 | $524K |
| Vision | VISION SERVICE PLAN | 479 | $134K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,220 | $1.0M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,220 | $907K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,214 | $7.6M |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,220 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,369 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.