| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | TOTAL HEALTH CARE USA, INC | $31K | — | $31K | 1.73% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DRIVE P.O. BOX 1801 ADRIAN, MI 49221 | TOTAL HEALTH CARE USA, INC | $31K | — | $31K | 1.71% |
| KAPNICK & COMPANY, INC.3 Filed as: AE MOURAD/KAPNICK & COMPANY, INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $12K | — | $12K | 4.29% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE P.O. BOX 1801 ADRIAN, MI 49221 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 9.18% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY | 28277 DEQUINDRE RD MADISON HEIGHTS, MI 48071 | SUN LIFE ASSURANCE COMPANY OF CANADA | $994 | — | $994 | 0.83% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | ONEAMERICA FINANCIAL PARTNERS, INC. | $13K | — | $13K | 15.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | EMPLOYEE HEALTH INSURANCE MANAGEMENT | $197 | — | $197 | 0.55% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $2K | — | $2K | 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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 33 | $277K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 224 | $120K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 329 | $17K |
| Life insurance | ONEAMERICA FINANCIAL PARTNERS, INC. | 305 | $89K |
| Short-term disability | ONEAMERICA FINANCIAL PARTNERS, INC. | 305 | $89K |
| Long-term disability | ONEAMERICA FINANCIAL PARTNERS, INC. | 305 | $89K |
| Prescription drug(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC | 414 | $1.9M |
| Other | ONEAMERICA FINANCIAL PARTNERS, INC. | 305 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.