| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL M SNIDER3 Filed as: PAUL SNIDER | 28555 ORCHARD LAKE ROAD, SUITE 110 FARMINGTON HILLS, MI 48334 | PRIORITY HEALTH | $14K | $0 | $14K | 3.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFIT LLC | 28555 ORCHARD LAKE ROAD, SUITE 10 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $12K | 14.20% |
| NFP INSURANCE SERVICES INC5 Filed as: NFP SCHECHTER BENEFIT LLC | 28555 ORCHARD LAKE ROAD, STE 10 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.03% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFIT LLC | 28555 ORCHARD LAKE ROAD, SUITE 10 FARMINGTON HILLS, MI 48334 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $696 | $0 | $696 | 10.14% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 90 | $452K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $82K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 101 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $82K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $82K |
| Prescription drug | PRIORITY HEALTH | 90 | $452K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.