| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49248 | BLUE CARE NETWORK OF MICHIGAN | $29K | $2K | $30K | 2.73% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $1K | — | $1K | 0.75% |
| KAPNICK & COMPANY, INC.3 Filed as: A E MOURAD AGENCY INC | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | — | $13K | 13.80% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 1105 NIKKI VIEW DR BRANDON, FL 33511 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 1.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE HEALTH INSURANCE MGMT EIN 38-2776173 TPA | Contract Administrator Service code 13 | — | $8K |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 364 | $1.3M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 131 | $93K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 131 | $93K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 131 | $93K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 364 | $186K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 131 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.