| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDI FRANZ3 | 769 CHICAGO RD FL 3 TROY, MI 480834223 | BLUE CARE NETWORK OF MICHIGAN | $68K | $0 | $68K | 2.71% |
| DAVID F. HUNTZICKER3 Filed as: DAVID F HUNTZICKER | 1201 BRIARWOOD CIR ANN ARBOR, MI 492211690 | BLUE CARE NETWORK OF MICHIGAN | $6K | $0 | $6K | 0.25% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | P O BOX 1801 ADRIAN, MI 492219221 | BLUE CARE NETWORK OF MICHIGAN | $0 | $3K | $3K | 0.11% |
| KAPNICK & COMPANY, INC.3 Filed as: KNAPNICK INSURANCE GROUP | 769 CHICAGO RD FL 3 TROY, MI 480834223 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $43 | $25K | 9.55% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS REASEARCH LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 3.10% |
| KAPNICK & COMPANY, INC.3 Filed as: KNAPNICK INSURANCE GROUP | 333 INDUSTRIAL DR PO BOX 1801 ADRIAN, MI 492218780 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.60% |
| KAPNICK & COMPANY, INC.3 Filed as: KNAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIR ANN ARBOR, MI 481081690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $110 | $110 | 0.04% |
| BRANDI FRANZ3 | 769 CHICAGO RD FL 3 TROY, MI 480834223 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 2.43% |
| DAVID F. HUNTZICKER3 Filed as: DAVID F HUNTZICKER | 1201 BRIARWOOD CIR ANN ARBOR, MI 481081690 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $560 | $0 | $560 | 0.31% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | P O BOX 1801 ADRIAN, MI 492219221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $178 | $178 | 0.10% |
| NOT PROVIDED3 | — | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $178 | $0 | $178 | 0.42% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | NATIONAL VISION ADMINISTRATORS (NGL) | $1K | $0 | $1K | 10.00% |
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 | 551 | 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) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 410 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $258K |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 386 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $258K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $258K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $258K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 410 | $2.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.