| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT V. WEILAND3 Filed as: ROBERT VICTOR II WEILAND | P O BOX 1801 ADRIAN, MI 492217801 | BLUE CARE NETWORK OF MICHIGAN | $43K | — | $43K | 2.59% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | P O BOX 1801 ADRIAN, MI 492219221 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.13% |
| ROBERT V. WEILAND3 Filed as: ROBERT VICTOR II WEILAND | P O BOX 1801 ADRIAN, MI 492217801 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 2.95% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | P O BOX 1801 ADRIAN, MI 492219221 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $940 | $940 | 0.07% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $9K | $35K | 9.17% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.57% |
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 | 317 | $2.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $386K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $386K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $386K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $386K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $386K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 317 | $2.9M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.