| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID F. HUNTZICKER3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 2.00% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 1.43% |
| ANDREW BROGAN3 Filed as: ANDREW D. BROGAN | 320 W. LAKE LANSING S 2 E. LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 1.05% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.14% |
| DAVID F. HUNTZICKER3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 2.01% |
| GREGORY BROGAN3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 1.51% |
| ANDREW BROGAN3 Filed as: ANDREW D. BROGAN | 320 W. LAKE LANSING S 2 E. LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 0.97% |
| BROGAN INSURANCE3 | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.51% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DR. ADRIAN, MI 49221 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 6.62% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - GREGORY BROGAN | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.39% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CR. ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.18% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE - ANDREW BROGAN | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.96% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | 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)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 147 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 166 | $87K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $283K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $106K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $106K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $106K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 147 | $1.0M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 139 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.