| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KATHERINE C WOOD3 Filed as: KATHERINE C. WOOD | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $38K | — | $38K | 1.10% |
| NICHOLAS K KAMAI3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | $14K | — | $14K | 0.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVCS (BF) | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 483028302 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.08% |
| KATHERINE C WOOD3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 1.12% |
| NICHOLAS K KAMAI3 | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S TELEGRAPH STE 100 BLOOMFIELD HILLS, MI 48302 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.27% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $8K | $49K | 10.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $54 | $31K | 6.60% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $6K | $30K | 6.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.72% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIR ANN ARBOR, MI 48108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $851 | $851 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20 | $20 | 0.00% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $24K | — | $24K | 7.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 2.91% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 4.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 NORTH 4TH AVENUE ANN ARBOR, MI 48104 | KAISER FOUNDATION HEALTH PLAN INC | $544 | — | $544 | 0.32% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.12% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $509 | $3K | 7.98% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $545 | $2K | 6.89% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $291 | $291 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $166 | $166 | 0.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD HILLS, IL 48302 | METROPOLITAN LIFE INSURANCE COMPANY | — | $54 | $54 | 0.17% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $49 | $49 | 0.15% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $505 | $2K | 8.72% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $439 | $2K | 8.67% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $218 | $218 | 0.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $116 | $116 | 0.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | — | $54 | $54 | 0.23% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIR. STE 1100 ANN ARBOR, MI 48108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $46 | $46 | 0.20% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $309 | $2K | 9.14% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO. INC. | 333 INDUSTRIAL DR. ADRIAN, MI 49221 | METROPOLITAN LIFE INSURANCE COMPANY | $927 | $321 | $1K | 7.49% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $164 | $164 | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $92 | $92 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2600 S. TELEGRAPH RD SUITE 100 BLOOMFIELD HILLS, MI 48302 | METROPOLITAN LIFE INSURANCE COMPANY | — | $54 | $54 | 0.32% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIR. ANN ARBOR, MI 48108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.16% |
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 | 713 | 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) | 713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | BLUE CARE NETWORK OF MICHIGAN | 600 | $4.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 860 | $332K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 752 | $38K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 713 | $465K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 713 | $465K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 713 | $465K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 600 | $4.5M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 713 | $497K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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.