| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | 3033 ORCHARD VISTA, S.E. GRAND RAPIDS, MI 49546 | WESTPORT INSURANCE | $40K | $0 | $40K | 11.68% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | DELTA DENTAL OF MICHIGAN | $16K | $0 | $16K | 6.41% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $5K | $10K | 10.43% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $4K | $17K | 20.20% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.88% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.85% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E. MOURAD AGENCY, INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 | Contract Administrator Service code 13 | 3033 ORCHARD VISTA, S.E. GRAND RAPITS, MI 49546 | $123K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 852 | $256K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 279 | $32K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $32K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 266 | $86K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 317 | $39K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT | 223 | $0 |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE | 227 | $340K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.