| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID F. HUNTZICKER3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MA 48108 | BLUE CARE NETWORK OF MICHIGAN | $15K | — | $15K | 0.93% |
| GREGORY BROGAN3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | $9K | — | $9K | 0.54% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING EAST LANSING, MI 48823 | BLUE CARE NETWORK OF MICHIGAN | — | $3K | $3K | 0.17% |
| DAVID F. HUNTZICKER3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MA 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 0.93% |
| GREGORY BROGAN3 | 320 W LAKE LANSING RD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 0.53% |
| BROGAN INSURANCE3 | 320 W LAKE LANSING ROAD EAST LANSING, MI 48823 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.12% |
| BROGAN INSURANCE3 Filed as: BROGAN INSURANCE- GREGORY BROGAN | 320 W. LAKE LANSING RD EAST LANSING, MI 48823 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 1.97% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CR. ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 1.71% |
| DAVID F. HUNTZICKER3 Filed as: DAVID F HUNTZICKER | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | DEARBORN LIFE INSURANCE COMPANY | $14K | — | $14K | 10.47% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING ROAD EAST LANSING, MI 48823 | DEARBORN LIFE INSURANCE COMPANY | $9K | — | $9K | 6.85% |
| GREGORY BROGAN3 Filed as: GREGORY D BROGAN | 320 WEST LAKE LANSING EAST LANSING, MI 48823 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $3K | — | $3K | 8.35% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK INSURANCE GROUP | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | — | $2K | 6.55% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 248 | $2.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 466 | $173K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 417 | $33K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 541 | $130K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 541 | $130K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 541 | $130K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 248 | $2.7M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 541 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.