Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Debra a Youngs HealthRxHMO | HealthRxHMO | Pro |
Broker: Kapnick Insurance Group Dental | Dental | Pro |
Broker: Kapnick & Company Inc. STDOther | STDOther | Pro |
Broker: Kapnick Insurance Group LifeOther | LifeOther | Pro |
Broker: Kapnick Insurance Group Vision | Vision | Pro |
Broker: Kapnick & Company Inc. Other | Other | Pro |
See premium, retention and renewal dates for 6 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Blue Care Network of Michigan | Pro |
Carrier: Blue Care Network of Michigan | Pro |
Carrier: Delta Dental of Michigan | Pro |
Carrier: Guardian Life Insurance Company of America | Pro |
Carrier: Guardian Life Insurance Company of America | Pro |
Carrier: Guardian Life Insurance Company of America | Pro |
Carrier: American United Life Insurance Company | Pro |
Carrier: Eyemed Vision Care | Pro |
Carrier: Pre-Paid Legal Services Inc Dba Legalshield | Pro |
Carrier: Pre-Paid Legal Services Inc Dba Legalshield | Pro |
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 | 202 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 205 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 225 | $88K |
| Vision | EYEMED VISION CARE | 166 | $12K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 202 | $21K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 72 | $47K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 205 | $1.6M |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 202 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.