| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID F. HUNTZICKER3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $44K | — | $44K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W. BIG BEAVER RD SUITE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $6K | $6K | 0.54% |
| MATTHEW LEE3 | 300 W. 10TH STREET WEST POINT, GA 31833 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.33% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR ADRIAN, MI 49221 | PRINCIPAL LIFE INSURANCE COMPANY | $51K | — | $51K | 15.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 7448321 ATLANTA, GA 30374 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 3.05% |
| DAVID F. HUNTZICKER3 Filed as: DAVID F HUNTZICKER | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 3.86% |
| MATTHEW LEE3 | 300 W. 10TH ST. WEST POINT, GA 31833 | BLUE CARE NETWORK OF MICHIGAN | $1K | — | $1K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 755 W. BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.39% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | HERTIAGE VISION PLANS INC | $888 | — | $888 | 3.06% |
| PATTERSON BRYANT GROUP INC3 Filed as: PATTERSON-BRYANT INC | 30600 TELEGRAPH ROAD SUITE 2250 BINGHAM FARMS, MI 48025 | HERTIAGE VISION PLANS INC | $395 | — | $395 | 1.36% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DR. ADRIAN, MI 49221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 19.54% |
| SCOTT W DAVIDSON3 Filed as: SCOTT W. DAVIDSON | 7866 SLEEPY HOLLOW DR. NORTHVILLE, MA 48168 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.22% |
| HILLARY R EBNER3 | 15991 LAUDERDALE AVE BEVERLY HILLS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.05% |
| SHAUN M KLUG3 Filed as: SHAUN MICHAEL KLUG | 957 HILANDALE RD BENTON HARBOR, MA 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| TRACY KATZ LLC4 | 1662 E MELTON RD. BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $376 | — | $376 | 4.28% |
| TRION SOLUTIONS INC.4 | 340 E. BIG BEAVER RD TROY, MI 48083 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $281 | — | $281 | 3.20% |
| WALTER CRIDER4 | 4389 WESTOVER DR. WEST BLOOMFIELD, MI 48323 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $198 | — | $198 | 2.26% |
| PATTERSON BRYANT GROUP INC4 Filed as: PATTERSON BRYANT ASSOCIATES | 30600 TELEGRAPH RD. BINGHAM FARMS, MI 48025 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $180 | — | $180 | 2.05% |
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 | 185 | 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) | 187 | 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 | 212 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 336 | $339K |
| Vision | HERTIAGE VISION PLANS INC | 317 | $29K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 336 | $339K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 336 | $339K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 336 | $339K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 212 | $1.4M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 85 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
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.