| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TORREZ RUBIN3 | 539 CHICAGO RD TROY, MI 48083 | PRIORITY HEALTH INSURANCE COMPANY | $58K | — | $58K | 3.50% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 10.71% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC./S.PECK | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $3K | $128 | $4K | 3.25% |
| TORREZ RUBIN3 | 539 CHICAGO RD TROY, MI 48083 | PRIORITY HEALTH INSURANCE COMPANY | $5K | — | $5K | 4.89% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 492218780 | AMERITAS LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 256 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH INSURANCE COMPANY | 338 | $1.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 360 | $111K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 437 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $135K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $135K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $135K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.