| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KATHERINE C WOOD3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $27K | $0 | $27K | 3.03% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.17% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.20% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.99% |
| KATHERINE C WOOD3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 2.98% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $53 | $53 | 0.08% |
| PAUL MAJEWSKI3 Filed as: PAUL M MAJEWSKI | 483 LITTLE LAKE DRIVE, SUITE 100 ANN ARBOR, MI 48103 | AFLAC | $1K | $271 | $2K | 6.98% |
| FINNS JM AND J INSURANCE INC.3 Filed as: FINNS J M AND J INSURANCE INC | 483 LITTLE LAKE DRIVE ANN ARBOR, MI 48103 | AFLAC | $431 | $0 | $431 | 1.87% |
| JOEDDA J GARDNER FIELDS3 | 32916 KELLY BOULEVARD BROWNSTOWN, MI 48173 | AFLAC | $325 | $64 | $389 | 1.69% |
| MJ INSURANCE3 Filed as: JOSHUA C BIGGS AND VARIOUS AGENTS | 1916 ACORN VALLEY DRIVE HOWELL, MI 48855 | AFLAC | $345 | $0 | $345 | 1.50% |
| ANDREW J LOEWEN3 | 2940 SAINT ANDREWS DRIVE FINDLAY, OH 45840 | AFLAC | $137 | $64 | $201 | 0.87% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $62 | $0 | $62 | 0.27% |
| SHAUN M KLUG3 | 46389 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $61 | $0 | $61 | 0.26% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $720 | $0 | $720 | 7.39% |
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 | 144 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 194 | $972K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $78K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $88K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $152K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $152K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $152K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 194 | $972K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.