| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAILE PALAJ3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $49K | — | $49K | 2.95% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC | PO BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.10% |
| NAILE PALAJ3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49248 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | — | $9K | 3.21% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | PO BOX 1801 ADRIAN, MI 49221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $924 | $924 | 0.34% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | GUARDIAN LIFE INSURANCE COMPANY | $35K | $770 | $36K | 18.59% |
| LIFETIME FINANCIAL GROWTH OF MI3 | 29800 TELEGRAPH RD SOUTHFIELD, MI 48034 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.55% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE | $2K | — | $2K | 10.01% |
| KAPNICK & COMPANY, INC.4 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $775 | — | $775 | 9.26% |
| ASSUREDPARTNERS4 Filed as: ASSURED PARTNERS OF MI DBA JS CLARK | 25900 W 11 MILE RD. STE 210 SOUTHFIELD, MI 48034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $328 | — | $328 | 3.92% |
| SCHILLER & ASSOCIATES LLC4 | 173 COTTAGE LN. MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $276 | — | $276 | 3.30% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 289 | $1.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 151 | $191K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE | 272 | $21K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 151 | $191K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 151 | $191K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 151 | $191K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 289 | $1.9M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 151 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
No prospect flags tripped on this filing.