| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNITED HEALTHCARE INSURANCE COMPANY | — | $54K | $54K | 2.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 970 RESERVE DRIVE, SUITE 200 ROSEVI ROSEVILLE, CA 95678 | UNITED HEALTHCARE INSURANCE COMPANY | — | $39K | $39K | 2.08% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 492217801 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 2.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 970 RESERVE DRIVE, SUITE 200 ROSEVI ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 2.08% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 880 W LONG LAKE RD #500 TROY, MI 48083 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $11K | $37K | 9.07% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $4K | $21K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 970 RESERVE DRIVE, SUITE 200 ROSEVILLE, CA 95678 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $2K | $20K | 4.88% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 492217801 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 2.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 970 RESERVE DRIVE, SUITE 200 ROSEVI ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $1 | $5K | 1.95% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $583 | $3K | 19.21% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 880 W LONG LAKE RD #500 TROY, MI 48083 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $507 | $3K | 17.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 970 RESERVE DRIVE, SUITE 200 ROSEVILLE, CA 95678 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $141 | $2K | 10.38% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 880 W LONG LAKE RD #500 TROY, MI 48083 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $24 | $4K | 39.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, NC 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $977 | $391 | $1K | 13.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 970 RESERVE DRIVE, SUITE 200 ROSEVILLE, CA 95678 | METROPOLITAN LIFE INSURANCE COMPANY | $939 | $112 | $1K | 10.44% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD, SUITE 300 KIRKWOOD, NC 43122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $333 | $2K | 20.18% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 880 W LONG LAKE RD #500 TROY, MI 48098 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $297 | $2K | 17.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 970 RESERVE DRIVE, SUITE 200 ROSEVILLE, CA 95678 | METROPOLITAN LIFE INSURANCE COMPANY | $790 | $106 | $896 | 10.14% |
| INTERNATIONAL CHAMBERS GROUP INC4 Filed as: INTERNATIONAL CHAMBERS GROUP, INC | 4211 PEPPERMILL LANE BLUE ASJ, OH 45242 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $657 | — | $657 | 9.26% |
| KAPNICK & COMPANY, INC.4 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49248 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $524 | — | $524 | 7.38% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 230 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $411K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $411K |
| Life insurance(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 400 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $411K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $411K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 28 | $252K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 400 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.