| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK E. NEAL & CO.3 | 193-B POLK AVENUE NASHVILLE, TN 37210 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $205K | — | $205K | 10.87% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CR. ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $0 | $433 | $433 | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 755 W. BIG BEAVER RD., STE. 2300 TROY, MI 48084 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.15% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $582 | — | $582 | 0.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $160 | — | $160 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 6 CADILLAC DR., STE. 200 BRENTWOOD, TN 37027 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $79 | — | $79 | 0.13% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 769 CHICAGO RD. TROY, MI 48083 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $764 | — | $764 | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3331 W BIG BEAVER ROAD TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $741 | — | $741 | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 755 BIG BEAVER ROAD, STE. 2300 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $275 | — | $275 | 1.71% |
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 | 2,439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,439 | $2.0M |
| Vision(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,439 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,439 | $1.9M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,439 | $1.9M |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,439 | $1.9M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,439 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,439 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.