| 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 | $20K | $0 | $20K | 3.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 2000 TOWN CENTER, SUITE 1820 SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.16% |
| PAUL M SNIDER3 Filed as: PAUL M. SNIDER | 28555 ORCHARD LAKE ROAD, SUITE 110 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | $0 | $13K | 2.96% |
| 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 | $444 | $444 | 0.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, SUITE 10 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $9K | $20K | 12.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.94% |
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 | 183 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 127 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $159K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $159K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $159K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $159K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 127 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
No prospect flags tripped on this filing.