| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $21K | — | $21K | 4.22% |
| ACTION BENEFITS COMPANY3 Filed as: ACTION BENEFITS | 26533 EVERGREEN ROAD SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 0.96% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | $345 | $6K | 4.38% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN HIGHWAY SOUTHFIELD, MI 480758075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 0.92% |
| CINDY R COTE3 Filed as: CINDY R. COTE | 2620 S LATSON RD HOWELL, MI 48843 | AFLAC | $4K | $48 | $4K | 10.83% |
| MATTHEW MICHALIK3 | 9485 PORTAGE LAKE AVE PINCKNEY, MI 48169 | AFLAC | $501 | $10 | $511 | 1.46% |
| JENNIFER A WILSON3 Filed as: JENNIFER WILSON | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $507 | — | $507 | 1.45% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $475 | $10 | $485 | 1.39% |
| LARRY E KESSELRING3 | 26200 TOWN CENTRE DRIVE NOVI, MI 48375 | AFLAC | $316 | — | $316 | 0.91% |
| BRANDON WILSON3 | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $247 | — | $247 | 0.71% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $125 | — | $125 | 0.36% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $124 | — | $124 | 0.36% |
| AG AND ASSOCIATES3 | 2150 ASSOCIATION DR, SUITE 150 OKEMOS, MI 48864 | AFLAC | $68 | — | $68 | 0.19% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER, SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $64 | — | $64 | 0.18% |
| ALAN BERGMANN3 | 2831 KISTLER RD BATTLE CREEK, MI 49014 | AFLAC | $63 | — | $63 | 0.18% |
| MARC D BARNES3 Filed as: MARC D. BARNES | 4004 CLINTON AVE BERWYN, IL 60402 | AFLAC | $46 | — | $46 | 0.13% |
| SANDRA K KURZ3 Filed as: SANDRA K. KURZ | 6937 KESTREL RIDGE RD BRIGHTON, MI 48116 | AFLAC | $37 | — | $37 | 0.11% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 2150 ASSOCIATION DR, SUITE 150 OKEMOS, MI 48864 | AFLAC | $33 | — | $33 | 0.09% |
| ANNIE GLAUB3 | 2133 UNIVERSITY PARK DR, SUITE 600 OKEMOS, MI 48864 | AFLAC | $33 | — | $33 | 0.09% |
| CYNTHIA LAFOUNTAIN3 | 12645 ANN LYNN DR SOUTH LYON, MI 48178 | AFLAC | $31 | — | $31 | 0.09% |
| LOIS A. HALL3 | P.O. BOX 474 CHELSEA, MI 48118 | AFLAC | $24 | — | $24 | 0.07% |
| MARY A THOMAS3 Filed as: MARY A. THOMAS | 2676 E. MICHIGAN AVENUE CLINTON, MI 49236 | AFLAC | $20 | — | $20 | 0.06% |
| MICHAEL SALISBURY3 | 625 HICKORY DR WAYLAND, MI 49348 | AFLAC | $18 | — | $18 | 0.05% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE, SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $10 | — | $10 | 0.03% |
| SPAZ AND GLAUB ENTERPRISES3 | 2150 ASSOCIATION DR, SUITE 150 OKEMOS, MI 48864 | AFLAC | $9 | — | $9 | 0.03% |
| JAMES C SNIDER JR3 Filed as: JAMES C. SNIDER, JR. | 2301 LUCIEN WAY, STE 150 MAITLAND, FL 32751 | AFLAC | $7 | — | $7 | 0.02% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER D. BOULDREY | P.O. BOX 602 CONCORD, MI 49237 | AFLAC | $7 | — | $7 | 0.02% |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $7 | — | $7 | 0.02% |
| HEATHER A DOLLIVER3 Filed as: HEATHER A. DOLLIVER | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $7 | — | $7 | 0.02% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 1325 OAK HOLLOW DRIVE MILFORD, MI 48380 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $4 | — | $4 | 0.01% |
| RANDALL L KIMBLER3 Filed as: RANDALL L. KIMBLER | P.O. BOX 302 HESPERIA, MI 49421 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY C WERNER3 Filed as: JEFFREY C. WERNER | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | AFLAC | $3 | — | $3 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON STREET LIVONIA, MI 48150 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE R CALVIN3 Filed as: MICHELLE R. CALVIN | P.O. BOX 99 JONESVILLE, MI 49250 | AFLAC | $1 | — | $1 | 0.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.65% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 129 | $639K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 129 | $175K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 129 | $140K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 97 | $46K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 97 | $46K |
| Long-term disability | AFLAC | 33 | $35K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 129 | $639K |
| Other(2 contracts, 2 carriers) | AFLAC | 97 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.