| 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 | $46K | $2K | $49K | 1.56% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $6K | $30K | 17.52% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CR ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 4.81% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 20.55% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | $246 | $901 | 6.56% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $311 | $169 | $480 | 3.49% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $647 | $0 | $647 | 20.74% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $52 | $198 | 6.35% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $35 | $102 | 3.27% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | $0 | $502 | 22.36% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $54 | $180 | 8.02% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $36 | $96 | 4.28% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | $0 | $139 | 20.78% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $10 | $39 | 5.83% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $7 | $21 | 3.14% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 19.69% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $8 | $33 | 5.75% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $6 | $18 | 3.14% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 28.63% |
| W F HILL AND ASSOCIATES INC3 Filed as: W F HILL AND ASSOCIATES INC. | 30700 TELEGRAPH RD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $11 | $33 | 14.54% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $6 | $15 | 6.61% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 443 | $3.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 443 | $3.3M |
| Life insurance(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $190K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $170K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 443 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.