| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | TOTAL HEALTH CARE USA, INC. | $3K | $0 | $3K | 2.87% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.56% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.28% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $907 | $0 | $907 | 4.34% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $436 | $0 | $436 | 2.09% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 49503 | DELTA DENTAL OF MICHIGAN | $430 | $0 | $430 | 2.06% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 48933 | VISION SERVICE PLAN | $871 | $0 | $871 | 17.93% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | VISION SERVICE PLAN | $241 | $0 | $241 | 4.96% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 56 GRANDVILLE AVENUE GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $1 | $0 | $1 | 0.02% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOTAL HEALTH CARE USA, INC. | 105 | $116K |
| Dental | DELTA DENTAL OF MICHIGAN | 191 | $21K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 116 | $121K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $47K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $47K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $47K |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 105 | $116K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.