| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL M SNIDER | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | BLUE CROSS/ BLUE SHIELD | $23K | — | $23K | 3.77% |
| ACTIVE BENEFITS CO | 26533 EVERGREEN RD SOUTHFIELD, MI 48076 | BLUE CROSS/ BLUE SHIELD | $6K | — | $6K | 0.95% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | BLUE CROSS/ BLUE SHIELD | $241 | — | $241 | 0.04% |
| PAUL M SNIDER | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MI | $20K | — | $20K | 3.84% |
| ACTIVE BENEFITS CO | 26533 EVERGREEN RD SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MI | $5K | — | $5K | 0.97% |
| NFP INSURANCE SERVICES INC Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MI | $341 | — | $341 | 0.07% |
| NFP INSURANCE SERVICES INC Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | RELIANCE | $3K | — | $3K | 6.74% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S AUSTIN, TX 78746 | RELIANCE | — | $474 | $474 | 1.24% |
| NFP INSURANCE SERVICES INC Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | PRINCIPAL | $2K | — | $2K | 6.33% |
| NFP INSURANCE SERVICES INC Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | RELIANCE | $4K | — | $4K | 11.32% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S AUSTIN, TX 78746 | RELIANCE | — | $389 | $389 | 1.23% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS/ BLUE SHIELD | 89 | $1.1M |
| Dental | PRINCIPAL | 110 | $34K |
| Life insurance | RELIANCE | 128 | $38K |
| Short-term disability | RELIANCE | 128 | $38K |
| Long-term disability | RELIANCE | 127 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.