| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSIGHT BENEFIT ADMINISTRATION, LLC5 | 660 ADA DR SUITE 201 ADA, MI 49301 | FIDELITY SECURITY LIFE INSURANCE CO | — | $70K | $70K | 21.44% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC | PO BOX 1801 ADRIAN, MI 49221 | FIDELITY SECURITY LIFE INSURANCE CO | $47K | — | $47K | 14.24% |
| COFINITY5 | 28588 NORTHWESTERN HWY SOUTHFIELD, MI 48034 | FIDELITY SECURITY LIFE INSURANCE CO | — | $18K | $18K | 5.54% |
| EMPLOYEE NAVIGATOR, LLC5 Filed as: EMPLOYEE HEALTH INSURANCE MGT, INC | 26711 NORTHWESTERN HWY SUITE 400 SOUTHFIELD, MI 48033 | FIDELITY SECURITY LIFE INSURANCE CO | — | $17K | $17K | 5.10% |
| MEDWATCH LLC5 Filed as: MEDWATCH | PO BOX 952679 LAKE MARY, FL 32795 | FIDELITY SECURITY LIFE INSURANCE CO | — | $9K | $9K | 2.79% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE INSURANCE CO | 158 | $328K |
| Dental | FIDELITY SECURITY LIFE INSURANCE CO | 158 | $328K |
| Vision | FIDELITY SECURITY LIFE INSURANCE CO | 158 | $328K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $157K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $157K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE CO | 158 | $328K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE CO | 158 | $328K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.