| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBRA A YOUNGS3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $48K | — | $48K | 4.90% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND COMPANY INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $958 | $958 | 0.10% |
| DEBRA A YOUNGS3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $30K | — | $30K | 5.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | — | $451 | $451 | 0.07% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DR. ADRIAN, MI 49221 | GUARDIAN | $17K | $2K | $19K | 16.27% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY STE 400 ALBANY, NY 12204 | GUARDIAN | $6K | — | $6K | 5.00% |
| LIFETIME FINANCIAL GROWTH3 | — | GUARDIAN | $394 | — | $394 | 0.33% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CR. ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 6.24% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 146 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 236 | $99K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 146 | $1.6M |
| Life insurance | GUARDIAN | 104 | $118K |
| Short-term disability | GUARDIAN | 104 | $118K |
| Long-term disability | GUARDIAN | 104 | $118K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 146 | $1.6M |
| Other | GUARDIAN | 104 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.