| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $29K | $708 | $30K | 5.25% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HWY SUITE 6 SOUTHFIELD, MI 480768075 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.40% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $5K | $407 | $6K | 7.49% |
| ACTION BENEFITS COMPANY3 | 25800 NORTHWESTERN HWY SUITE 6 SOUTHFIELD, MI 480768075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $266 | — | $266 | 0.35% |
| CINDY R COTE3 | 2620 S LATSON RD HOWELL, MI 48843 | AFLAC | $4K | $133 | $5K | 10.19% |
| WENDY LYNN WITT3 | 1157 BOOTH STREET HOWELL, MI 48843 | AFLAC | $971 | $42 | $1K | 2.28% |
| RENEE M TRUDEAU3 | 7577 US HIGHWAY 12 STE A ONSTED, MI 49265 | AFLAC | $333 | — | $333 | 0.75% |
| ANDREW J LOEWEN3 | 538 BROCKHAMPTON LN WESTERVILLE, OH 43082 | AFLAC | $266 | $33 | $299 | 0.67% |
| BRANDON S WILSON3 | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $185 | — | $185 | 0.42% |
| LIVINGSTON INSURANCE AGENCY LLC3 | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $174 | — | $174 | 0.39% |
| TLANDA MCDONALD3 | 1855 TIVERTON RD BLOOMFIELD HILLS, MI 48304 | AFLAC | $100 | — | $100 | 0.23% |
| LARRY E KESSELRING3 | 5879 FORESTAL DRIVE WATERFORD, MI 48327 | AFLAC | $94 | — | $94 | 0.21% |
| JENNIFER A WILSON3 | 4946 YAX POINTE DR HOWELL, MI 48843 | AFLAC | $87 | — | $87 | 0.20% |
| STEPHANIE L KESSELRING3 | 5434 OAKHURST DR SEMINOLE, FL 33772 | AFLAC | $75 | — | $75 | 0.17% |
| KRAIG M SEXTON3 | 9864 E GRAND RIVER, SUITE 110 #292 BRIGHTON, MI 48116 | AFLAC | $54 | — | $54 | 0.12% |
| SHAUN M KLUG3 | 48187 SPINNING WHEEL DRIVE CANTON, MI 48187 | AFLAC | $49 | — | $49 | 0.11% |
| ALAN BERGMANN3 Filed as: ALAN W BERGMANN | 461 COKESBURY DR THE VILLAGES, FL 32162 | AFLAC | $42 | — | $42 | 0.09% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $36 | — | $36 | 0.08% |
| LOIS A. HALL3 Filed as: LOIS A HALL | PO BOX 196 CLINTON, MI 49236 | AFLAC | $25 | — | $25 | 0.06% |
| MARC D BARNES3 | 148 FOSSIL LAKE CT WILMINGTON, IL 60481 | AFLAC | $25 | — | $25 | 0.06% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $22 | — | $22 | 0.05% |
| CYNTHIA A LAFOUNTAIN3 | 12645 ANN LYNN DR SOUTH LYON, MI 48178 | AFLAC | $20 | — | $20 | 0.05% |
| ANNIE GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $18 | — | $18 | 0.04% |
| SANDRA K KURZ3 | 6937 KESTREL RIDGE RD BRIGHTON, MI 48116 | AFLAC | $17 | — | $17 | 0.04% |
| MICHAEL P MCGLYNN DAYTON3 | 110 TREALOUT DR STE 202 FENTON, MI 48430 | AFLAC | $11 | — | $11 | 0.02% |
| MARY A THOMAS3 | 18101 W AUSTIN RD MANCHESTER, MI 48158 | AFLAC | $11 | — | $11 | 0.02% |
| MATTHEW MICHALIK3 | 52015 VAN WINKLE ST BRIGHTON, MI 48116 | AFLAC | $10 | — | $10 | 0.02% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $9 | — | $9 | 0.02% |
| RICHARD P SOMMERS3 | 861 AUGUSTA ROCHESTER, MI 48309 | AFLAC | $6 | — | $6 | 0.01% |
| MICHAEL SALISBURY3 Filed as: MICHAEL SCOTT SALISBURY | 625 HICKORY DR WAYLAND, MI 49348 | AFLAC | $6 | — | $6 | 0.01% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE, SUITE 200 FORT LAUDERDALE, FL 33309 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER, JR | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES BULLOCK3 | 6144 W LONGVIEW DR EAST LANSING, MI 48823 | AFLAC | $5 | — | $5 | 0.01% |
| TOTAL BENEFIT SYSTEMS INC3 | 5151 GATEWAY CTR, STE 200 FLINT, MI 48507 | AFLAC | $4 | — | $4 | 0.01% |
| HEIDI E GLAUB3 | 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% |
| CHRISTOPHER D BOULDREY3 | P.O. BOX 602 CONCORD, MI 49237 | AFLAC | $3 | — | $3 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DRIVE OKEMOS, MI 48864 | AFLAC | $3 | — | $3 | 0.01% |
| RANDALL L KIMBLER3 | P.O. BOX 302 HESPERIA, MI 49421 | AFLAC | $3 | — | $3 | 0.01% |
| DENNIS FENNELL3 Filed as: DENNIS PATTON | 21211 LASER LANE SOUTH LYON, MI 48178 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH M ELLIOTT3 | 228 PARK LN LINDEN, MI 48451 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT L JOSLIN3 | 11505 ORCHARD PKWY FENTON, MI 48430 | AFLAC | $2 | — | $2 | 0.00% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $1 | — | $1 | 0.00% |
| JULIE SLAUGHTER3 | 31211 GRANDON STREET LIVONIA, MI 48150 | AFLAC | $1 | — | $1 | 0.00% |
| MICHELLE R CALVIN3 | P.O. BOX 99 JONESVILLE, MI 49250 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY C WERNER3 | 4430 GLENCOE DR WILLIAMSTON, MI 48895 | AFLAC | $1 | — | $1 | 0.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $160 | $2K | 14.52% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 149 | $651K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 149 | $121K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 149 | $77K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 118 | $61K |
| Short-term disability | AFLAC | 47 | $44K |
| Long-term disability | AFLAC | 47 | $44K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 149 | $651K |
| Other(2 contracts, 2 carriers) | AFLAC | 118 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.