| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL M SNIDER3 Filed as: PAUL M. SNIDER | 28555 ORCHARD LAKE ROAD, SUITE 110 FARMINGTON HILLS, MI 48334 | BLUE CARE NETWORK OF MICHIGAN | $15K | $0 | $15K | 3.46% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CARE NETWORK OF MICHIGAN | $4K | $0 | $4K | 0.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 2000 TOWN CENTER, SUITE 1820 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $0 | $788 | $788 | 0.18% |
| PAUL M SNIDER3 Filed as: PAUL M. SNIDER | 28555 ORCHARD LAKE ROAD, SUITE 110 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | $0 | $10K | 2.86% |
| ACTION BENEFITS COMPANY3 | 26533 EVERGREEN ROAD, SUITE 400 SOUTHFIELD, MI 48076 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 0.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 2000 TOWN CENTER, SUITE 1820 SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $568 | $568 | 0.16% |
| 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 | $10K | $5K | $15K | 13.58% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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 | 108 | $776K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $111K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $111K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $111K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $111K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 108 | $776K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.