| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | ALLIANCE HEALTH & LIFE INSURANCE PLAN | $21K | — | $21K | 3.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR. ADRIAN, MA 49221 | ALLIANCE HEALTH & LIFE INSURANCE PLAN | $8K | — | $8K | 1.13% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 Filed as: HEALTH ALLIANCE ADMINISTRATORS, INC | 39500 HIGH POINTE BLVD. #400 NOVI, MI 48375 | ALLIANCE HEALTH & LIFE INSURANCE PLAN | $5K | — | $5K | 0.71% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | HEALTH ALLIANCE PLAN | $10K | — | $10K | 3.31% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR. ADRIAN, MI 49221 | HEALTH ALLIANCE PLAN | $4K | — | $4K | 1.19% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 Filed as: HEALTH ALLIANCE ADMINISTRATORS, INC | 39500 HIGH POINTE BLVD. #400 NOVI, MA 48375 | HEALTH ALLIANCE PLAN | $2K | — | $2K | 0.78% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MICHIGAN | 5777 W. MAPLE RD. SUITE 185 W BLOOMFIELD, MI 48322 | GUARDIAN | $15K | $2K | $17K | 9.26% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DR. ADRIAN, MI 49221 | GUARDIAN | $6K | $124 | $6K | 3.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $3K | — | $3K | 1.46% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS, LLC | — | GUARDIAN | — | $1K | $1K | 0.75% |
| LIFETIME FINANCIAL GROWTH OF M3 | — | GUARDIAN | $785 | — | $785 | 0.43% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 7.46% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 1201 BRIARWOOD CR. ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.51% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MI LLC | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | VISION SERVICE PLAN | $879 | — | $879 | 2.97% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DR. ADRIAN, MI 49221 | VISION SERVICE PLAN | $875 | — | $875 | 2.96% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD. STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $126 | — | $126 | 0.43% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH & LIFE INSURANCE PLAN | 77 | $700K |
| Dental | DELTA DENTAL OF MICHIGAN | 140 | $64K |
| Vision | VISION SERVICE PLAN | 76 | $30K |
| Life insurance | GUARDIAN | 110 | $183K |
| Short-term disability | GUARDIAN | 110 | $183K |
| Long-term disability | GUARDIAN | 110 | $183K |
| Other(2 contracts, 2 carriers) | ALLIANCE HEALTH & LIFE INSURANCE PLAN | 110 | $883K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.