| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH J HANEY3 Filed as: JOSEPH J. HANEY | 42560 VAN DYKE STERLING HEIGHTS, MI 48314 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 2.39% |
| NAILE PALAJ3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 0.47% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.22% |
| JOSEPH J HANEY3 Filed as: JOSEPH J. HANEY | 42560 VAN DYKE STERLING HEIGHTS, MI 48314 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 2.57% |
| NAILE PALAJ3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $544 | — | $544 | 0.25% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $183 | $183 | 0.08% |
| ASSUREDPARTNERS3 | 3099 BIDDLE AVENUE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.22% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 1201 BRIARWOOD CR. ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $274 | — | $274 | 0.42% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 3099 BIDDLE AVE WYANDOTTE, MI 48192 | DELTA DENTAL OF MICHIGAN | $892 | — | $892 | 4.38% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CR. ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $80 | — | $80 | 0.39% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | HERITAGE VISION PLANS, INC. | $1K | — | $1K | 8.23% |
| ASSUREDPARTNERS3 | 13900 LAKESIDE CIRCLE STERLING HEIGHTS, MI 48313 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 9.08% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC. | 333 INDUSTRIAL DR. ADRIAN, MI 49221 | HARTFORD LIFE AND ACCIDENT | $137 | — | $137 | 0.92% |
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 | 302 | 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. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 299 | $1.2M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 232 | $85K |
| Vision | HERITAGE VISION PLANS, INC. | 263 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 302 | $15K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 299 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 302 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
No prospect flags tripped on this filing.