| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $97K | $97K | 5.78% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.19% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR. PO BOX 1801 ADRIAN, MI 492217801 | KAISER FOUNDATION HEALTH PLAN, INC | $28K | — | $28K | 4.89% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 769 CHICAGO RD. TROY, MI 48083 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $12K | $62K | 13.51% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIR ANN ARBOR, MI 48108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $762 | $762 | 0.17% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR. PO BOX 1801 ADRIAN, MI 492217801 | KAISER FOUNDATION HEALTH PLAN, INC | $12K | — | $12K | 5.50% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 769 CHICAGO RD. TROY, MI 48083 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $516 | $4K | 24.15% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIR ANN ARBOR, MI 48108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.19% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 769 CHICAGO RD. TROY, MI 48083 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $320 | $3K | 23.95% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIR. ANN ARBOR, MI 48108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | 0.18% |
| KAPNICK & COMPANY, INC.4 Filed as: KAPNICK INSURANCE GROUP | 233 INDUSTRIAL DR. ADRIAN, MI 49248 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $520 | — | $520 | 5.90% |
| INTERNATIONAL CHAMBERS GROUP INC4 Filed as: INTERNATIONAL CHAMBERS GROUP, INC. | 4211 PEPPERMILL LN. BLUE ASH, OH 45242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $456 | — | $456 | 5.18% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $457K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $457K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $457K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $457K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $457K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.