| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $26K | $884 | $27K | 4.56% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.35% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $16 | $5K | 7.17% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 480768076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $105 | — | $105 | 0.14% |
| CINDY R COTE3 Filed as: CINDY R. COTE | 2620 S LATSON RD HOWELL, MI 48843 | AFLAC | $7K | $386 | $7K | 13.73% |
| WENDY LYNN WITT3 Filed as: WENDY WITT | 1157 BOOTH STREET HOWELL, MI 48843 | AFLAC | $2K | $84 | $2K | 3.17% |
| ANDREW J LOEWEN3 Filed as: ANDREW LOEWEN | 2940 SAINT ANDREWS DRIVE FINDLAY, OH 45840 | AFLAC | $872 | $78 | $950 | 1.89% |
| BRANDON WILSON3 | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $238 | — | $238 | 0.47% |
| JENNIFER A WILSON3 Filed as: JENNIFER WILSON | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $117 | — | $117 | 0.23% |
| LARRY E KESSELRING3 | 5879 FORESTAL DRIVE WATERFORD, MI 48327 | AFLAC | $113 | — | $113 | 0.23% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $110 | — | $110 | 0.22% |
| STEPHANIE L KESSELRING3 Filed as: STEPHANIE KESSELRING | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $109 | — | $109 | 0.22% |
| LOIS A. HALL3 | PO BOX 210 CLINTON, MI 49236 | AFLAC | $105 | — | $105 | 0.21% |
| SHAUN M KLUG3 Filed as: SHAUN KLUG | 46389 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $77 | — | $77 | 0.15% |
| ALAN BERGMANN3 | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $60 | — | $60 | 0.12% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $54 | — | $54 | 0.11% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER, SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $54 | — | $54 | 0.11% |
| MARC D BARNES3 Filed as: MARC D. BARNES | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $50 | — | $50 | 0.10% |
| MICHAEL P MCGLYNN DAYTON3 | 108 S PINE ST, UNIT 2 FENTON, MI 48430 | AFLAC | $34 | — | $34 | 0.07% |
| ANDREW K GLAUB3 Filed as: ANDREW GLAUB | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $33 | — | $33 | 0.07% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $33 | — | $33 | 0.07% |
| CYNTHIA LAFOUNTAIN3 | 12645 ANN LYNN DR SOUTH LYON, MI 48178 | AFLAC | $31 | — | $31 | 0.06% |
| MATTHEW MICHALIK3 | 5044 HOLLYWOOD CT BRIGHTON, MI 48116 | AFLAC | $21 | — | $21 | 0.04% |
| MARY A THOMAS3 Filed as: MARY A. THOMAS | 2676 E. MICHIGAN AVENUE CLINTON, MI 49236 | AFLAC | $20 | — | $20 | 0.04% |
| RICHARD P SOMMERS3 | 1390 WEST BLVD BERKLEY, MI 48072 | AFLAC | $20 | — | $20 | 0.04% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | AFLAC | $19 | — | $19 | 0.04% |
| MICHAEL SALISBURY3 | 625 HICKORY DR WAYLAND, MI 49348 | AFLAC | $18 | — | $18 | 0.04% |
| SANDRA K KURZ3 Filed as: SANDRA K. KURZ | 6937 KESTREL RIDGE RD BRIGHTON, MI 48116 | AFLAC | $17 | — | $17 | 0.03% |
| TOTAL BENEFIT SYSTEMS INC3 | 5151 GATEWAY CTR, STE 200 FLINT, MI 48507 | AFLAC | $14 | — | $14 | 0.03% |
| JOEDDA GARDNER FIELDS3 | 32916 KELLY BLVD BROWNSTOWN, MI 48173 | AFLAC | $14 | — | $14 | 0.03% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE, SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $11 | — | $11 | 0.02% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $9 | — | $9 | 0.02% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, WI 49615 | AFLAC | $9 | — | $9 | 0.02% |
| ELIZABETH M ELLIOTT3 | 228 PARK LN LINDEN, MI 48451 | AFLAC | $8 | — | $8 | 0.02% |
| ROBERT L JOSLIN3 | 11505 ORCHARD PKWY FENTON, MI 48430 | AFLAC | $8 | — | $8 | 0.02% |
| JAMES C SNIDER JR3 Filed as: JAMES C. SNIDER, JR. | 457 MANOR ROAD MAITLAND, FL 32751 | AFLAC | $7 | — | $7 | 0.01% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER D. BOULDREY | P.O. BOX 602 CONCORD, MI 49237 | AFLAC | $7 | — | $7 | 0.01% |
| JAMES BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | AFLAC | $7 | — | $7 | 0.01% |
| HEATHER A DOLLIVER3 Filed as: HEATHER A. DOLLIVER | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $6 | — | $6 | 0.01% |
| HEIDI E GLAUB3 Filed as: HEIDI E. GLAUB | 4404 SAINT ANDREWS ST HOWELL, MI 48843 | AFLAC | $4 | — | $4 | 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% |
| JEFFREY C WERNER3 Filed as: JEFFREY C. WERNER | 6370 PINE HOLLOW DRIVE EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.00% |
| 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 | $3K | $1K | $4K | 20.10% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 133 | $657K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 133 | $124K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 133 | $74K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 102 | $70K |
| Short-term disability | AFLAC | 56 | $50K |
| Long-term disability | AFLAC | 56 | $50K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 133 | $657K |
| Other(2 contracts, 2 carriers) | AFLAC | 102 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.