| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY E MOURAD3 Filed as: ANTHONY E. MOURAD | 333 INDUSTRIAL DRIVE ADRIAN, MI 492489248 | BLUE CARE NETWORK OF MICHIGAN | $85K | — | $85K | 4.60% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $16K | — | $16K | 4.55% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $2K | $141 | $2K | 3.25% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY | 1201 BRIARWOOD CIR ANN ARBOR, MI 48108 | DELTA DENTAL INSURANCE COMPANY OF MICHIGAN | $1K | $100 | $1K | 3.23% |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 440 | $2.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 244 | $103K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 511 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 341 | $75K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 440 | $2.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 341 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.