| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRAL DRIVE ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 4.29% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD SOUTHFIED, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 0.95% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 10.87% |
| CINDY R COTE3 Filed as: CINDY R. COTE | 2620 S LATSON RD HOWELL, MI 48843 | AFLAC | $4K | $110 | $5K | 11.95% |
| LARRY E KESSELRING3 | 9880 E GRAND RIVER AVE, SUITE 106 BRIGHTON, MI 48116 | AFLAC | $756 | $35 | $791 | 2.07% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $455 | $35 | $490 | 1.28% |
| JENNIFER A WILSON3 Filed as: JENNIFER WILSON | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $278 | $67 | $345 | 0.90% |
| BRANDON WILSON3 | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $288 | — | $288 | 0.75% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR, SUITE 150 OKEMOS, ME 48864 | AFLAC | $127 | $30 | $157 | 0.41% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $156 | — | $156 | 0.41% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $145 | — | $145 | 0.38% |
| MATTHEW MICHALIK3 | 9485 PORTAGE LAKE AVE PINCKNEY, MI 48169 | AFLAC | $138 | — | $138 | 0.36% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER, SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $70 | — | $70 | 0.18% |
| ALAN BERGMANN3 | 707 PRUDDEN ST, UNIT 101 LANSING, MI 48906 | AFLAC | $68 | — | $68 | 0.18% |
| MARC D BARNES3 Filed as: MARC BARNES | 4004 CLINTON AVE BERWYN, IL 60402 | AFLAC | $53 | — | $53 | 0.14% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 2150 ASSOCIATION DR, SUITE 150 OKEMOS, MI 48864 | AFLAC | $41 | — | $41 | 0.11% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DR, SUITE 600 OKEMOS, MI 48864 | AFLAC | $38 | — | $38 | 0.10% |
| CYNTHIA LAFOUNTAIN3 | 12645 ANN LYNN DR SOUTH LYON, MI 48178 | AFLAC | $34 | — | $34 | 0.09% |
| MICHAEL SALISBURY3 | 625 HICKORY DR WAYLAND, MI 49348 | AFLAC | $28 | — | $28 | 0.07% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE, SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $17 | — | $17 | 0.04% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $15 | — | $15 | 0.04% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DR, SUITE 150 OKEMOS, MI 48864 | AFLAC | $9 | — | $9 | 0.02% |
| JOSHUA DEVRIES3 | 110 TREALOUT DRIVE, SUITE 202 FENTON, MI 48430 | AFLAC | $6 | — | $6 | 0.02% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $1 | — | $1 | 0.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $734 | $2K | 19.87% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 104 | $579K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 49 | $157K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 49 | $157K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $12K |
| Short-term disability | AFLAC | 38 | $38K |
| Long-term disability | AFLAC | 38 | $38K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 104 | $579K |
| Other | AFLAC | 38 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.