| 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 | $56K | $3K | $59K | 1.50% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $7K | $20K | 9.40% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49022 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 4.88% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $165 | $4K | 19.23% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $639 | $198 | $837 | 3.75% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $363 | $96 | $459 | 2.06% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $22 | $2K | 16.64% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $27 | $318 | 2.59% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $13 | $150 | 1.22% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $595 | $12 | $607 | 15.94% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $15 | $99 | 2.60% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $7 | $53 | 1.39% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $363 | — | $363 | 14.82% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 2.00% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.98% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | — | $223 | 15.39% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 2.28% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 40825 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.97% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $17 | $164 | 34.45% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $21 | $47 | 9.87% |
| ROBIN W BASIL3 | 30700 TELEGRAPH RD STE 2620 BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $9 | $28 | 5.88% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 471 | $3.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 415 | $156K |
| Life insurance(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 477 | $255K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 477 | $212K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 477 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.