| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | BLUE CARE NETWORK OF MICHIGAN | $32K | $0 | $32K | 4.33% |
| AE MOURAD AGENCY, INC.3 Filed as: AE MOURAD AGENCY | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | TOTAL HEALTH CARE USA, INC. | $28K | $0 | $28K | 3.98% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $1K | $11K | 16.84% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $360 | $4K | 16.67% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $368 | $3K | 16.78% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 209 | $744K |
| Dental | DELTA DENTAL OF MICHIGAN | 469 | $189K |
| Vision | TOTAL HEALTH CARE USA, INC. | 255 | $699K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 202 | $21K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 202 | $64K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 61 | $21K |
| Prescription drug(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 255 | $699K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 202 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.