| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $23K | $795 | $23K | 4.68% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 1.04% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $34 | $5K | 4.71% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $1K | — | $1K | 1.04% |
| CINDY R COTE3 Filed as: CINDY R. COTE | 2620 S LATSON RD HOWELL, MI 48843 | AFLAC | $4K | $87 | $5K | 11.84% |
| WENDY LYNN WITT3 Filed as: WENDY WITT | 1157 BOOTH STREET HOWELL, MI 48843 | AFLAC | $705 | — | $705 | 1.84% |
| LARRY E KESSELRING3 | 5879 FORESTAL DRIVE WATERFORD, MI 48327 | AFLAC | $539 | — | $539 | 1.41% |
| BRANDON WILSON3 | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $251 | — | $251 | 0.66% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 9868 HIGH MEADOW DR YPSILANTI, MI 48198 | AFLAC | $145 | $24 | $169 | 0.44% |
| JENNIFER A WILSON3 Filed as: JENNIFER WILSON | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $93 | $33 | $126 | 0.33% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 3141 ROLLING GREEN CT MILFORD, MI 48380 | AFLAC | $122 | — | $122 | 0.32% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $119 | — | $119 | 0.31% |
| MATTHEW MICHALIK3 | 9485 PORTAGE LAKE AVE PINCKNEY, MI 48169 | AFLAC | $90 | $24 | $114 | 0.30% |
| LOIS A. HALL3 | P.O. BOX 474 CHELSEA, MI 48118 | AFLAC | $107 | — | $107 | 0.28% |
| ANDREW J LOEWEN3 Filed as: ANDREW LOEWEN | 2940 SAINT ANDREWS DRIVE FINDLAY, OH 45840 | AFLAC | $90 | — | $90 | 0.24% |
| ALAN BERGMANN3 | 2144 MADERO DRIVE THE VILLAGES, FL 32159 | AFLAC | $66 | — | $66 | 0.17% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $61 | — | $61 | 0.16% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER, SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $61 | — | $61 | 0.16% |
| MARC D BARNES3 Filed as: MARC D. BARNES | 4004 CLINTON AVE BERWYN, IL 60402 | AFLAC | $46 | — | $46 | 0.12% |
| MARY A THOMAS3 Filed as: MARY A. THOMAS | 2676 E. MICHIGAN AVENUE CLINTON, MI 49236 | AFLAC | $35 | — | $35 | 0.09% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $33 | — | $33 | 0.09% |
| ANNIE GLAUB3 | 6155 GRAEBEAR TRAIL EAST LANSING, MI 48823 | AFLAC | $33 | — | $33 | 0.09% |
| CYNTHIA LAFOUNTAIN3 | 12645 ANN LYNN DR SOUTH LYON, MI 48178 | AFLAC | $31 | — | $31 | 0.08% |
| MICHAEL SALISBURY3 | 625 HICKORY DR WAYLAND, MI 49348 | AFLAC | $18 | — | $18 | 0.05% |
| SANDRA K KURZ3 Filed as: SANDRA K. KURZ | 6937 KESTREL RIDGE RD BRIGHTON, MI 48116 | AFLAC | $17 | — | $17 | 0.04% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE, SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $10 | — | $10 | 0.03% |
| SPAZ AND GLAUB ENTERPRISES3 | 1161 HERITAGE CT SUN PRAIRIE, WI 53590 | AFLAC | $9 | — | $9 | 0.02% |
| JAMES C SNIDER JR3 Filed as: JAMES C. SNIDER, JR. | 2301 LUCIEN WAY, STE 150 MAITLAND, FL 32751 | AFLAC | $8 | — | $8 | 0.02% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER D. BOULDREY | P.O. BOX 602 CONCORD, MI 49237 | AFLAC | $8 | — | $8 | 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% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | 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 | $4 | — | $4 | 0.01% |
| JOEDDA GARDNER FIELDS3 | 3840 PACKARD STREET SUITE 140 ANN ARBOR, MI 48108 | AFLAC | $4 | — | $4 | 0.01% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MA 48130 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY C WERNER3 Filed as: JEFFREY C. WERNER | 6370 PINE HOLLOW DRIVE EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 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 | $473 | $2K | 16.83% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE ROAD BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.13% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 132 | $605K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 132 | $143K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 132 | $105K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 97 | $53K |
| Short-term disability | AFLAC | 38 | $38K |
| Long-term disability | AFLAC | 38 | $38K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 132 | $605K |
| Other(2 contracts, 2 carriers) | AFLAC | 97 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.