| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $44K | $1K | $45K | 1.52% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $6K | $29K | 15.85% |
| KAPNICK & COMPANY, INC. | 333 INDUSTRIAL DR ADRIAN, MI 49022 | DELTA DENTAL OF MICHIGAN | $7K | $3K | $10K | 7.15% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $1K | — | $1K | 6.34% |
| MELANIE MOSHER3 | 11337 ARCOLA LIVONIA, MI 48150 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $263 | — | $263 | 1.55% |
| THOMAS DANKO3 | 71550 ELDRED RD BRUCE TWP, MI 48065 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $237 | — | $237 | 1.40% |
| THOMAS FRAZEE3 | 5318 HIDDEN PINES CT BRIGHTON, MI 48116 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $204 | — | $204 | 1.20% |
| ANTHONY BUDIMEROVICH3 | 625 E BIG BEAVER RD TROY, MI 48083 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $109 | — | $109 | 0.64% |
| KACY A GRUENKEMEYER3 Filed as: KACY GRUENKEMEYER | 20 CHEROKEE BLVD #306 CHATTANOOGA, TN 37405 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $84 | — | $84 | 0.50% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 957 HILLANDALE RD BENTON HARBOR, MI 49022 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $62 | — | $62 | 0.37% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $45 | — | $45 | 0.27% |
| CHRIS BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $5 | — | $5 | 0.03% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES SNIDER | 830 JUANITARAEL WINTER PARK, FL 32789 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $5 | — | $5 | 0.03% |
| HEATHER DOLLIVER3 | 212 W SILVER LK ROAD FENTON, MI 48430 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $5 | — | $5 | 0.03% |
| JIM M BULLOCK3 Filed as: JIM BULLOCK | 3715 POWEDERHORN DR OKEMOS, MI 48864 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $4 | — | $4 | 0.02% |
| THOMAS W BOSTON3 Filed as: THOMAS RINGWALD | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $4 | — | $4 | 0.02% |
| KRISTIN LATTRELL3 Filed as: KRISTIN LATTREL | 908 N 14TH ST NASHVILLE, TN 37206 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $4 | — | $4 | 0.02% |
| FILIPE COELHO3 | 4515 S MCCLINTOCK DR TEMPE, AZ 85282 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $1 | — | $1 | 0.01% |
| JEFFREY S GIBSON3 Filed as: JEFFREY GIBSON | 9292 E TOPEKA DR SCOTTSDALE, AZ 85255 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $0 | — | $0 | 0.00% |
| JEFFREY C WERNER3 Filed as: JEFFREY WERNER | 18096 TRUDY DR SPRING LAKE, MI 49456 | AFLAC/CONTINENTAL AMERICAN INSURANCE COMP | $0 | — | $0 | 0.00% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 449 | $3.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 478 | $138K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 615 | $184K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 615 | $184K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 615 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.