| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $38K | $2K | $40K | 1.50% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $9K | $21K | 11.27% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CR ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 4.88% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $68 | $4K | 14.52% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $520 | $77 | $597 | 2.41% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $40 | $312 | 1.26% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $887 | — | $887 | 15.51% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 2.26% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.94% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $833 | $22 | $855 | 15.16% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $26 | $151 | 2.68% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $13 | $80 | 1.42% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $7 | $268 | 18.70% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $10 | $51 | 3.56% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $4 | $24 | 1.67% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 15.11% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 2.19% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.95% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 12.33% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.76% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.88% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 318 | $2.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 399 | $149K |
| Life insurance(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $222K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 521 | $183K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 318 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.