| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENT TSCHANNEN3 | PO BOX 1428 ANN ARBOR, MI 48106 | BLUE CARE NETWORK OF MICHIGAN | $17K | — | $17K | 1.51% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL F. DEMPSEY | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 10934 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 0.77% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 501 OFFICE CENTER DR. STE 215 FT. WASHINGTON, PA 19034 | BLUE CARE NETWORK OF MICHIGAN | — | $4K | $4K | 0.37% |
| KENT TSCHANNEN3 | PO BOX 1428 ANN ARBOR, MI 48106 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 1.69% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL F. DEMPSEY | 501 OFFICE CENTER DR. SUITE 215 FORT WASHINGTON, PA 19034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.82% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 501 OFFICE CENTER DR. STE 215 FT. WASHINGTON, PA 19034 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.44% |
| DEBRA A YOUNGS3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.38% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 3688 W LIBERTY RD ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.62% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR PO BOX 1801 ADRIAN, MI 49221 | METROPOLITAN LIFE INSURANCE COMPANY | $124 | — | $124 | 0.16% |
| J DEMPSEY INC.3 Filed as: J DEMPSEY | PO BOX 1428 ANN ARBOR, MI 48106 | METROPOLITAN LIFE INSURANCE COMPANY | $97 | — | $97 | 0.13% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | PATRIOT GROWTH INSURANCE SERVICES FORT WASHINGTON, PA 19034 | EQUITABLE | $8K | $4K | $12K | 16.05% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK COMPANY, INC. | KAPNICK COMPANY, INC. ADRIAN, MI 49221 | EQUITABLE | $1K | — | $1K | 1.71% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 3688 W. LIBERTY RD. ANN ARBOR, MI 48103 | METROPOLITAN LIFE INSURANCE COMPANY | $966 | — | $966 | 8.28% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC. | 333 INDUSTRIAL DR. PO BOX 1801 ADRIAN, MI 49221 | METROPOLITAN LIFE INSURANCE COMPANY | $180 | $11 | $191 | 1.64% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIR ANN ARBOR, MI 48108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.03% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 177 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $77K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 216 | $12K |
| Life insurance | EQUITABLE | 199 | $76K |
| Short-term disability | EQUITABLE | 199 | $76K |
| Long-term disability | EQUITABLE | 199 | $76K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 177 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.