| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA A MCLAUGHLAN3 | 3331 WEST BIG BEAVER ROAD STE 200 TROY, MI 48084 | PRIORITY HEALTH INSURANCE COMPANY | $13K | — | $13K | 1.65% |
| ELIZABETH MADZIAR3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | PRIORITY HEALTH INSURANCE COMPANY | $11K | — | $11K | 1.35% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PRIORITY HEALTH | $5K | — | $5K | 1.71% |
| ELIZABETH MADZIAR3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | PRIORITY HEALTH | $4K | — | $4K | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $745 | $6K | 8.31% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & CO INC | UNKNOWN UNKNOWN, MI 00000 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 7.63% |
| GIS BENEFITS INC3 | UNKNOWN UNKNOWN, MI 00000 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $2K | $2K | 2.94% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL | $1K | — | $1K | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 309 WEBSTER ST DAYTON, OH 45402 | DELTA DENTAL | $1K | — | $1K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | DELTA DENTAL | $743 | — | $743 | 1.16% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PRIORITY HEALTH INSURANCE COMPANY | $852 | — | $852 | 1.81% |
| ELIZABETH MADZIAR3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | PRIORITY HEALTH INSURANCE COMPANY | $658 | — | $658 | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | EYEMED | $2K | — | $2K | 8.73% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | EYEMED | $1K | — | $1K | 6.31% |
| REBECCA A MCLAUGHLAN3 Filed as: REBECCA MCLAUGHLAN | 3331 W BIG BEAVER RD STE 200 TROY, MI 48084 | PRIORITY HEALTH | $275 | — | $275 | 1.96% |
| ELIZABETH MADZIAR3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | PRIORITY HEALTH | $182 | — | $182 | 1.30% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 177 | $1.2M |
| Dental | DELTA DENTAL | 288 | $64K |
| Vision | EYEMED | 238 | $18K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 275 | $73K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 275 | $73K |
| Prescription drug(4 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 177 | $1.2M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 275 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.