| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | P.O. BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $25K | — | $25K | 2.78% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | P.O. BOX 1801 ADRIAN, MI 49221 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 2.74% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD, SUITE 200 ELGIN, IL 60123 | GUARDIAN INSURANCE COMPANY | $13K | — | $13K | 9.78% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD, SUITE 200 ELGIN, IL 60123 | UNUM LIFE INS CO OF AMERICA | $4K | $1K | $5K | 5.88% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD, SUITE 200 ELGIN, IL 60123 | UNUM LIFE INS CO OF AMERICA | $3K | $696 | $4K | 6.94% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 5.26% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 4.97% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | EYEMED VISION CARE | $649 | — | $649 | 5.10% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N. MITCHELL ST CADILLAC, MI 49601 | EYEMED VISION CARE | $529 | — | $529 | 4.16% |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 170 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 110 | $45K |
| Vision | EYEMED VISION CARE | 183 | $13K |
| Life insurance | GUARDIAN INSURANCE COMPANY | 582 | $135K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN INSURANCE COMPANY | 582 | $192K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN INSURANCE COMPANY | 582 | $226K |
| Prescription drug(2 contracts) | BLUE CARE NETWORK OF MICHIGAN | 170 | $1.3M |
| Other | GUARDIAN INSURANCE COMPANY | 582 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.