| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC | PO BOX 1801 ADRIAN, MI 49221 | WESTPORT INSURANCE CORPORATION | $60K | — | $60K | 12.31% |
| COFINITY5 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 32795 | WESTPORT INSURANCE CORPORATION | — | $18K | $18K | 3.66% |
| EMPLOYEE NAVIGATOR, LLC5 Filed as: EMPLOYEE HEALTH INSURANCE MGT, INC. | 26711 NORTHWESTERN HWY SOUTHFIELD, MI 48033 | WESTPORT INSURANCE CORPORATION | — | $17K | $17K | 3.44% |
| MEDWATCH LLC5 Filed as: MEDWATCH | PO BOX 952679 LAKE MARY, FL 32795 | WESTPORT INSURANCE CORPORATION | — | $9K | $9K | 1.81% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC | PO BOX 1801 ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 6.64% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC | PO BOX 1801 ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 10.46% |
| THE UFER GROUP3 | 2349 E STADIUM BLVD. ANN ARBOR, MI 48104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.41% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTPORT INSURANCE CORPORATION | 176 | $486K |
| Dental | WESTPORT INSURANCE CORPORATION | 176 | $486K |
| Vision | WESTPORT INSURANCE CORPORATION | 176 | $486K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $180K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $180K |
| Prescription drug | WESTPORT INSURANCE CORPORATION | 176 | $486K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 176 | $486K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $300K |
| 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.
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.