| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL M SNIDER3 Filed as: PAUL SNIDER | 28555 ORCHARD LAKE ROAD STE 110 FARMINGTON HILLS, MI 483342973 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 5.64% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 1.07% |
| ROBERT VOGELEI3 Filed as: ROBERT SCHECHTER & ASSOCIATES | 251 PIERCE BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMAPNY OF AMERICA | $5K | — | $5K | 17.59% |
| 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 | $3K | $2K | $5K | — |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS ADVISORS | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 483342973 | EYEMED | $529 | — | $529 | — |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 114 | $364K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $0 |
| Vision | EYEMED | 87 | $0 |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $0 |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMAPNY OF AMERICA | 110 | $26K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 114 | $364K |
| Other | UNUM LIFE INSURANCE COMAPNY OF AMERICA | 54 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.