| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AE MOURAD AGENCY, INC.3 Filed as: AE MOURAD AGENCY | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | TOTAL HEALTH CARE USA, INC. | $29K | $0 | $29K | 4.05% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | BLUE CARE NETWORK OF MICHIGAN | $29K | $0 | $29K | 4.38% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 188 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 200 | $669K |
| Dental | DELTA DENTAL OF MICHIGAN | 461 | $178K |
| Vision | TOTAL HEALTH CARE USA, INC. | 264 | $716K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $17K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $54K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 55 | $16K |
| Prescription drug(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 264 | $716K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.