| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: PAUL SNIDER NFP SCHECHTER BENEFITS | 28555 ORCHARD LAKE RD, SUITE 110 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $23K | — | $23K | 2.62% |
| JASON GLIME3 | 1040 E MAPLE RD BIRMINGHAM, MI 480098009 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 2000 TOWN CENTER STE 1820 SOUTHFIELD, MI 480751352 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.15% |
| NFP INSURANCE SERVICES INC7 Filed as: PAUL SNIDER NFP SCHECHTER BENEFITS | 28555 ORCHARD LAKE RD, SUITE 110 FARMINGTON HILLS, MI 48334 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 2.94% |
| NFP INSURANCE SERVICES INC7 Filed as: NFP SCHECHTER BENEFITS LLC | 2000 TOWN CENTER STE 1820 SOUTHFIELD, MI 480751352 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $248 | $248 | 0.11% |
| NFP INSURANCE SERVICES INC3 Filed as: PAUL SNIDER NFP SCHECHTER BENEFITS | 28555 ORCHARD LAKE RD, SUITE 110 FARMINGTON HILLS, MI 48334 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 11.14% |
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 | 181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 170 | $1.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $133K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $133K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $133K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 170 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
No prospect flags tripped on this filing.