| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL M SNIDER3 | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MI | $29K | — | $29K | 3.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 2000 TOWN CENTER STE 1820 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MI | — | $384 | $384 | 0.05% |
| PAUL M SNIDER3 | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | BLUE CROSS/ BLUE SHIELD | $27K | — | $27K | 4.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 2000 TOWN CENTER STE 1820 SOUTHFIELD, MI 48075 | BLUE CROSS/ BLUE SHIELD | — | $180 | $180 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | RELIANCE | $3K | — | $3K | 6.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S AUSTIN, TX 78746 | RELIANCE | — | $486 | $486 | 1.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | RELIANCE | $4K | — | $4K | 10.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S AUSTIN, TX 78746 | RELIANCE | — | $420 | $420 | 1.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, STE 110 FARMINGTON HILLS, MI 48334 | PRINCIPAL | $2K | — | $2K | 6.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S W LAKE HILLS, TX 78746 | PRINCIPAL | — | $193 | $193 | 0.58% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MI | 116 | $1.4M |
| Dental | PRINCIPAL | 121 | $33K |
| Life insurance | RELIANCE | 131 | $43K |
| Short-term disability | RELIANCE | 131 | $43K |
| Long-term disability | RELIANCE | 130 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.