| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACTIVA BENEFIT SERVICES, LLC5 Filed as: ACTIVA BENEFITS SERVICES LLC | 660 ADA DR., SE SUITE 201 ADA, MI 49301 | IHC RISK SOLUTIONS, INC | — | $65K | $65K | 25.46% |
| KAPNICK & COMPANY, INC.5 Filed as: KAPNICK INSURANCE GROUP | P.O. BOX 1801 ADRIAN, MI 49221 | IHC RISK SOLUTIONS, INC | $32K | — | $32K | 12.49% |
| COFINITY5 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | IHC RISK SOLUTIONS, INC | — | $18K | $18K | 6.92% |
| MEDWATCH LLC5 | P.O. BOX 952679 LAKE MARY, FL 32795 | IHC RISK SOLUTIONS, INC | — | $4K | $4K | 1.52% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | P.O. BOX 1801 ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 8.75% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | P.O. BOX 1801 ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $17K | 16.65% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IHC RISK SOLUTIONS, INC | 145 | $255K |
| Dental | IHC RISK SOLUTIONS, INC | 145 | $255K |
| Vision | IHC RISK SOLUTIONS, INC | 145 | $255K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $107K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $107K |
| Prescription drug | IHC RISK SOLUTIONS, INC | 145 | $255K |
| Stop-loss / reinsurancereinsurance | IHC RISK SOLUTIONS, INC | 145 | $255K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.