| 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 CROSS BLUE SHIELD OF MICHIGAN | $23K | $0 | $23K | 2.82% |
| ACTION BENEFITS COMPANY3 | 24600 NORTHWESTERN SOUTHFIELD, MI 48075 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | $0 | $8K | 1.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, SUITE 110 FARMINGTON HILLS, MI 48334 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.17% |
| UNKNOWN3 | UNKNOWN SOUTHFIELD, MI 48075 | BLUE CARE NETWORK OF MICHIGAN | $5K | $0 | $5K | 3.44% |
| 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 | $6K | $4K | $10K | 13.03% |
| ROBERT VOGELEI3 Filed as: ROBERT SCHECHTER & ASSOCIATES | 251 PIERCE BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $308 | $6K | 17.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS ADVISORS | 28555 ORCHARD LAKE ROAD, SUITE 110 FARMINGTON HILLS, MI 48334 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $878 | $0 | $878 | 9.15% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 159 | $964K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $74K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 140 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $74K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $37K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $112K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 159 | $964K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.