| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANGELA M DEAN3 | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $40K | — | $40K | 2.95% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $939 | $939 | 0.07% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $50 | $13K | 10.13% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.98% |
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 | 185 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 157 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 209 | $71K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 403 | $125K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 403 | $125K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 403 | $125K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 403 | $125K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 157 | $1.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 403 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.