| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT V. WEILAND3 Filed as: ROBERT V WEILAND | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $40K | — | $40K | 5.34% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | — | $4K | $4K | 0.53% |
| ROBERT V. WEILAND3 | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 5.39% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY, INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $195 | $195 | 0.34% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 9.95% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS- SEE ATTACHED | — | AFLAC | $6K | $347 | $6K | 13.54% |
| SHEEHAN CONNOR J3 | 22447 ELENA DR FARMINGTON HILLS, MI 48335 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.44% |
| SHEEHAN CONNOR J3 | 22447 ELENA DR FARMINGTON HILLS, MI 48335 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.36% |
| SHEEHAN CONNOR J3 | 22447 ELENA DR FARMINGTON HILLS, MI 48335 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.32% |
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 | 132 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 122 | $798K |
| Dental | DELTA DENTAL OF MICHIGAN | 136 | $52K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $30K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $17K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $28K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 122 | $798K |
| Other(3 contracts, 2 carriers) | AFLAC | 132 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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 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.