| 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 | $47K | $3K | $49K | 1.58% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $8K | $20K | 11.62% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CR ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 5.02% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $15 | $4K | 15.33% |
| 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 | $581 | $35 | $616 | 2.41% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | $19 | $287 | 1.12% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $961 | — | $961 | 15.40% |
| 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 | $140 | — | $140 | 2.24% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.95% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $903 | $21 | $924 | 17.92% |
| 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 | $140 | $38 | $178 | 3.45% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $26 | $109 | 2.11% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | — | $214 | 16.01% |
| 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 | $31 | — | $31 | 2.32% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.90% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 15.08% |
| 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 | $25 | — | $25 | 2.18% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.96% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $1 | $68 | 14.98% |
| 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 | $12 | $3 | $15 | 3.30% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 1.54% |
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 | 419 | $3.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 417 | $140K |
| Life insurance(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 482 | $210K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 482 | $170K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 419 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.