| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD W. GENTNER3 | PO BOX 1801 ADRIAN, MI 492217801 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | — | $41K | 1.44% |
| KAPNICK & COMPANY, INC.3 | PO BOX 1801 ADRIAN, MI 492217801 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.08% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 492218780 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $56 | $14K | 5.56% |
| KAPNICK & COMPANY, INC.3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $6K | $446 | $6K | 2.68% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 2.49% |
| TODD W. GENTNER3 Filed as: TODD W.GENTNER | PO BOX 1801 ADRIAN, MI 492217801 | BLUE CARE NETWORK OF MICHIGAN | $694 | — | $694 | 1.51% |
| KAPNICK & COMPANY, INC.3 | PO BOX 1801 ADRIAN, MI 492119211 | BLUE CARE NETWORK OF MICHIGAN | — | $38 | $38 | 0.08% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 491 | $2.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 507 | $226K |
| Vision | VISION SERVICE PLAN INSURANCE COMPANY | 200 | $34K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $244K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $244K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $244K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 491 | $2.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.