| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN GRACIN3 Filed as: STEPHEN J PECK | 769 CHICAGO ROAD 3RD FLOOR TROY, MI 480838083 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | — | $29K | 2.59% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | QCA HEALTH PLAN | $13K | — | $13K | 2.33% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC./S.PECK | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $4K | $150 | $4K | 4.94% |
| STEPHEN GRACIN3 Filed as: STEPHEN J PECK | 769 CHICAGO ROAD TROY, MI 480838083 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 3.19% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $124 | $3K | 6.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 ROUTE 34, BLDG 4 SUITE 404A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $759 | $759 | 1.61% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 492219221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $124 | $4K | 10.35% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 ROUTE 34, BLDG 4 SUITE 404A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $602 | $602 | 1.72% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 492218780 | AMERITAS LIFE INSURANCE COMPANY | $980 | — | $980 | 5.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $124 | $3K | 14.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 ROUTE 34, BLDG 4 SUITE 404A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $318 | $318 | 1.72% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $124 | $2K | 10.75% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 ROUTE 34, BLDG 4 SUITE 404A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $269 | $269 | 1.63% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $171 | $124 | $295 | 17.27% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 ROUTE 34, BLDG 4 SUITE 404A WALL, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $28 | $28 | 1.64% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 224 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 291 | $74K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 374 | $20K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $53K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $47K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $18K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 13 | $60K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
No prospect flags tripped on this filing.