| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD BINGHAM FARMS, MI 48025 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 2.00% |
| KAPNICK & COMPANY, INC.3 Filed as: A.E MOURAD AGENCY INC. | 28277 DEQUINDRE MADISON HEIGHTS, MI 48071 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.16% |
| KAPNICK & COMPANY, INC.3 Filed as: A E MOURAD AGENCY INC | 28277 DEQUINDRE RD MADISON HTS, MI 48071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.84% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $542 | $3K | 10.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD. STE 408 BINGHAM FARMS, MI 48025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.76% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $705 | $167 | $872 | 10.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $540 | — | $540 | 6.51% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 84 | $961K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $35K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 43 | $35K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $8K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.