| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNN M. PURPURA3 | 58165 DEERFIELD WASHINGTON TWP, MI 48094 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $15K | $0 | $15K | 2.89% |
| TRI-COUNTY ADMINISTRATORS INC3 Filed as: TRI-COUNTY ADMINISTRATORS, INC | 43599 SCHOENHERR STERLING HEIGHTS, MI 48313 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $2K | $2K | 0.46% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | GUARDIAN | $10K | $3K | $13K | 16.16% |
| EMPLOYEE NAVIGATOR, LLC4 Filed as: EMPLOYEE HEALTH INSURANCE MANAGEMEN | — | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | $3K | $6K | $9K | 13.03% |
| TRI-COUNTY ADMINISTRATORS INC3 | 43599 SCHOENHERR STERLING HEIGHTS, MI 48313 | STANDARD INSURANCE COMPANY | $949 | — | $949 | 8.33% |
| TRACY KATZ LLC4 | 1662 E MELTON RD BIRMINGHAM, MI 48009 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $234 | — | $234 | 11.07% |
| PAULA S HALL4 | 611 DONEGAL DR PENDLETON, IN 46064 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $97 | — | $97 | 4.59% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 138 | $529K |
| Vision | STANDARD INSURANCE COMPANY | 81 | $11K |
| Life insurance | GUARDIAN | 146 | $83K |
| Short-term disability | GUARDIAN | 146 | $83K |
| Long-term disability | GUARDIAN | 146 | $83K |
| Prescription drug | EMPLOYEE HEALTH INSURANCE MANAGEMENT, INC. | 101 | $67K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 146 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.