| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBRA A YOUNGS3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $37K | — | $37K | 4.17% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 0.81% |
| KAPNICK & COMPANY, INC.3 | PO BOX 1801 ADRIAN, MI 492219221 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.15% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $5K | $153 | $5K | 6.32% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 492219221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 13.87% |
| DEBRA A YOUNGS3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 5.30% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $241 | — | $241 | 0.97% |
| KAPNICK & COMPANY, INC.3 | PO BOX 1801 ADRIAN, MI 492217801 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $15 | $15 | 0.06% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 492219221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $162 | $1K | 18.58% |
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. |
| 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 207 | $900K |
| Dental | DELTA DENTAL OF MICHIGAN | 194 | $74K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 207 | $900K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $47K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 207 | $900K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.