| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBRA A YOUNGS3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $48K | — | $48K | 2.97% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.10% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $4K | $345 | $4K | 5.09% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $869 | $9K | 18.10% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| LIFETIME FINANCIAL GROWTH OF M3 | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $126 | — | $126 | 0.27% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $372 | $5K | 21.73% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | EYEMED VISION CARE | $1K | — | $1K | 10.01% |
| KAPNICK & COMPANY, INC.4 Filed as: KAPNICK & COMPANY INC. | 233 INDUSTRIAL BLVD. ADRIAN, MI 49248 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $356 | — | $356 | 10.88% |
| SWEET T'S VENTURE LLC4 | 3421 BRENTWOOD DR. FLINT, MI 48503 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $164 | — | $164 | 5.01% |
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 | 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.