| 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 | BLUE CARE NETWORK OF MICHIGAN | $36K | — | $36K | 2.52% |
| DAVID F. HUNTZICKER3 Filed as: DAVID F HUNTZICKER | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CARE NETWORK OF MICHIGAN | $16K | — | $16K | 1.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 2000 TOWN CENTER, SUITE 1820 SOUTHFIELD, MN 48075 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 28555 ORCHARD LAKE ROAD SUITE 110 FARMINGTON HILLS, MI 48334 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 8.50% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | 333 INDUSTRIAL DRIVE ADRIAN, MI 49221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.46% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD. STE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.38% |
| PAUL M SNIDER3 Filed as: PAUL SNIDER | 28555 ORCHARD LAKE ROAD SUITE 110 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $714 | — | $714 | 2.05% |
| DAVID F. HUNTZICKER3 Filed as: DAVID F HUNTZICKER | 1201 BRIARWOOD CIRCLE ANN ARBOR, MI 48108 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $447 | — | $447 | 1.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 28555 ORCHARD LAKE ROAD SUITE 110 FARMINGTON HILLS, MI 48334 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | — | $1K | 6.62% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 241 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $237K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 298 | $16K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $237K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $237K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 241 | $1.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.