| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY MOURAD3 | 333 INDUSTRIAL DR ADRIAN, MI 49248 | BLUE CARE NETWORK OF MICHIGAN | $31K | — | $31K | 2.74% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $4K | — | $4K | 2.28% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 492218780 | AMERICAN UNITED LIFE INSURANCE COMPANY | $15K | $4K | $19K | 19.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE HEALTH INSURANCE MGMT EIN 38-2776173 TPA | Contract Administrator Service code 13 | — | $25K |
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 | 141 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 358 | $1.3M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $98K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $98K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $98K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 137 | $178K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 141 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.