| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN M POPE3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $0 | $10K | 2.69% |
| KATHERINE C WOOD3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 2.29% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | P.O. BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.55% |
| KATHERINE C WOOD3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 49108 | BLUE CARE NETWORK OF MICHIGAN | $5K | $0 | $5K | 2.46% |
| JONATHAN M POPE3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 2.13% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | P.O. BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.54% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $1K | $4K | 8.88% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST ROYAL OAK, MI 48067 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $379 | $2K | 5.04% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $451 | $2K | 13.38% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST STE 300 ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $881 | $220 | $1K | 6.88% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $270 | $108 | $378 | 8.29% |
| CAMBRIDGE CONSULTING GROUP LLC3 | 400 W 4TH ST ROYAL OAK, MI 48067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $201 | $75 | $276 | 6.05% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 83 | $574K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 74 | $46K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 74 | $46K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $21K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 83 | $574K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.