| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH MADZIAR3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 481088108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $169K | — | $169K | 3.03% |
| KAPNICK & COMPANY, INC.3 | PO BOX 1801 ADRIAN, MI 492219221 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.06% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $5K | $21K | 4.98% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL DRIVE ADRIAN, MI 492218780 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $24 | $21K | 4.97% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY,INC. | 333 INDUSTRIAL DRIVE PO BOX 1801 ADRIAN, MI 492218780 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.94% |
| KAPNICK & COMPANY, INC.3 | ELIZABETH MADZIAR 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 2.57% |
| MICHIGAN CHAMBER SERVICES, INC.3 | JASON RUSSELL 600 SOUTH WALNUT STREET LANSING, MI 489332209 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 2.49% |
| ELIZABETH MADZIAR3 | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 481088108 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 2.97% |
| KAPNICK & COMPANY, INC.3 | PO BOX 1801 ADRIAN, MI 492219221 | BLUE CARE NETWORK OF MICHIGAN | — | $65 | $65 | 0.10% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND CO. INC. | 333 INDUSTRIAL DR. ADRIAN, MI 492218780 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY, INC | 333 INDUSTRIAL DR ADRIAN, MI 49221 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $170 | $1K | 9.43% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | 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 | 765 | $5.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 766 | $351K |
| Vision | VISION SERVICE PLAN | 306 | $36K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $429K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $429K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $429K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 765 | $5.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.