| 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 | $29K | — | $29K | 4.60% |
| ACTIVE BENEFITS CO | 26533 EVERGREEN RD SOUTHFIELD, MI 48076 | BLUE CROSS/ BLUE SHIELD | $2K | — | $2K | 0.25% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | BLUE CROSS/ BLUE SHIELD | — | — | $0 | 0.00% |
| PAUL M SNIDER | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MI | $28K | — | $28K | 4.60% |
| ACTIVE BENEFITS CO | 26533 EVERGREEN RD SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MI | $961 | — | $961 | 0.16% |
| NFP INSURANCE SERVICES INC Filed as: NFP SCHECHTER BENEFITS, LLC | 2000 TOWN CENTER STE 1820 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MI | — | $380 | $380 | 0.06% |
| NFP INSURANCE SERVICES INC Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | PRINCIPAL | $2K | $243 | $3K | 6.65% |
| NFP INSURANCE SERVICES INC Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | RELIANCE | $3K | — | $3K | 6.73% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S AUSTIN, TX 78746 | RELIANCE | — | $478 | $478 | 1.24% |
| NFP INSURANCE SERVICES INC Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | RELIANCE | $4K | — | $4K | 11.02% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S AUSTIN, TX 78746 | RELIANCE | — | $398 | $398 | 1.20% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS/ BLUE SHIELD | 110 | $1.2M |
| Dental | PRINCIPAL | 119 | $39K |
| Life insurance | RELIANCE | 125 | $39K |
| Short-term disability | RELIANCE | 125 | $39K |
| Long-term disability | RELIANCE | 125 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.