| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANGELA M DEAN3 Filed as: ANGELA DEAN | PO BOX 1801 ADRIAN, MI 492217801 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $42K | — | $42K | 2.98% |
| KAPNICK & COMPANY, INC.3 | PO BOX 1801 ADRIAN, MI 492217801 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.14% |
| ANGELA M DEAN3 | PO BOX 1801 ADRIAN, MI 492217801 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 3.38% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC | PO BOX 1801 ADRIAN, MI 492219221 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.15% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC./ANGELA DEAN | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.97% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 492219221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.17% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 492219221 | NGL/NATIONAL VISION ADMINISTRATORS LLC | $3K | — | $3K | 10.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 492219221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 492219221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.97% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR. PO BOX 1801 ADRIAN, MI 492217801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR. PO BOX 1801 ADRIAN, MI 492217801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 492219221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $668 | — | $668 | 10.01% |
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 | 296 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 258 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 383 | $106K |
| Vision | NGL/NATIONAL VISION ADMINISTRATORS LLC | 353 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $27K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $15K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 258 | $2.1M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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."
No prospect flags tripped on this filing.