| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | — | SYMETRA | $123K | — | $123K | 19.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE HEALTH INSURANCE MGT | — | EMPLOYEE HEALTH INSURANCE MANAGEMENT | — | $17K | $17K | 2.57% |
| AE MOURAD AGENCY, INC.3 Filed as: AE MOURAD AGENCY INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | HUMANA INC. | $5K | — | $5K | 1.68% |
| AE MOURAD AGENCY, INC.3 Filed as: AE MOURAD AGENCY INC. | 28277 DEQUINDRE RD MADISON HEIGHTS, MI 48071 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 2.80% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 28277 DEQUINDRE RD MADISON HEIGHTS, MI 480713002 | RELIANCE STANDARD LIFE INSURANCE | $16K | $4K | $20K | 18.76% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 28277 DEQUINDRE RD MADISON HEIGHTS, MI 480713002 | RELIANCE STANDARD LIFE INSURANCE | $6K | $1K | $7K | 18.66% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE RD MADISON HEIGHTS, MI 480713002 | EYEMED | $3K | — | $3K | 9.12% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 28277 DEQUINDRE RD MADISON HEIGHTS, MI 480713002 | RELIANCE STANDARD LIFE INSURANCE | $4K | $366 | $4K | 21.80% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 28277 DEQUINDRE RD. MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE | $3K | $688 | $4K | 19.31% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 28277 DEQUINDRE RD MADISON HEIGHTS, MI 480713002 | RELIANCE STANDARD LIFE INSURANCE | $4K | $476 | $4K | 22.66% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 28277 DEQUINDRE RD MADISON HEIGHTS, MI 480713002 | RELIANCE STANDARD LIFE INSURANCE | $952 | $235 | $1K | 18.70% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 28277 DEQUINDRE RD MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE | $497 | $118 | $615 | 18.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE HEALTH INSURANCE MGT. INC. EIN 38-2776173 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $160K |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 873 | $208K |
| Vision | EYEMED | 630 | $34K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 314 | $107K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE | 219 | $39K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 11 | $3K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT | 394 | $646K |
| Stop-loss / reinsurancereinsurance | SYMETRA | 390 | $649K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE | 314 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.