| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSIGHT BENEFIT ADMINISTRATION, LLC5 | 660 ADA DR. SUITE 201 ADA, MI 49301 | WESTPORT INSURANCE GROUP | — | $73K | $73K | 23.19% |
| KAPNICK & COMPANY, INC.5 | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 49221 | WESTPORT INSURANCE GROUP | $39K | — | $39K | 12.41% |
| EMPLOYEE NAVIGATOR, LLC5 Filed as: EMPLOYEE HEALTH INSURANCE MANAGEMEN | 26711 NORTHWESTERN HWY SUITE 400 SOUTHFIELD, MI 48033 | WESTPORT INSURANCE GROUP | $3K | $18K | $21K | 6.66% |
| COFINITY5 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | WESTPORT INSURANCE GROUP | — | $19K | $19K | 6.09% |
| BENEFIT FOCUS5 | 100 BENEFIT FOCUS WAY CHARLSTON, SC 29492 | WESTPORT INSURANCE GROUP | — | $18K | $18K | 5.78% |
| MEDWATCH LLC5 | PO BOX 952679 LAKE MARY, FL 32795 | WESTPORT INSURANCE GROUP | — | $9K | $9K | 2.77% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 48221 | UNUM LIFE INSURANCE OF AMERICA | $8K | $3K | $11K | 7.73% |
| THE UFER GROUP3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 14.83% |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTPORT INSURANCE GROUP | 0 | $314K |
| Dental | WESTPORT INSURANCE GROUP | 0 | $314K |
| Vision | WESTPORT INSURANCE GROUP | 0 | $314K |
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 216 | $147K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 216 | $147K |
| Prescription drug | WESTPORT INSURANCE GROUP | 0 | $314K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE GROUP | 0 | $314K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 216 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.