| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT V. WEILAND3 Filed as: ROBERT VICTOR II WEILAND | PO BOX 1801 ADRIAN, MI 492217801 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 2.12% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, STE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 0.35% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 481081690 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT | PO BOX 8029 STERLING HEIGHTS, MI 483118029 | BLUE CARE NETWORK OF MICHIGAN | — | $11 | $11 | 0.00% |
| ROBERT V. WEILAND3 Filed as: ROBERT VICTOR II WEILAND | PO BOX 1801 ADRIAN, MI 492217801 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 2.12% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, STE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.35% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 481081690 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $491 | $491 | 0.11% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | PO BOX 1801 ADRIAN, MI 49221 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $5K | $22K | 10.23% |
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 | 297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 260 | $1.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $214K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $214K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $214K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $214K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $214K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 260 | $1.6M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 199 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.