| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | HEALTH ALLIANCE PLAN | $15K | — | $15K | 4.36% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 4.25% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | EQUITABLE | $30K | — | $30K | 18.51% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG 1 SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $6K | $6K | 4.00% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | NGL | $802 | — | $802 | 10.00% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | OFC 528 4TH STE NW GRAND RAPIDS, MI 495047330 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $135 | — | $135 | 7.75% |
| SCHILLER & ASSOCIATES LLC3 | 173 COTTAGE LN MILFORD, MI 483812245 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $130 | — | $130 | 7.46% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $54 | — | $54 | 3.10% |
| CHRISTA G AUFDEMBERG INC3 | 13102 BRITTANY WOODS DR TUSTIN, CA 927813912 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $28 | — | $28 | 1.61% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 59 | $568K |
| Dental | EQUITABLE | 233 | $162K |
| Vision | NGL | 129 | $8K |
| Life insurance | EQUITABLE | 233 | $162K |
| Short-term disability | EQUITABLE | 233 | $162K |
| Long-term disability | EQUITABLE | 233 | $162K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH ALLIANCE PLAN | 59 | $568K |
| Other(2 contracts, 2 carriers) | EQUITABLE | 233 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.