| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD, STE 110 FARMINGTON HILLS, MI 48334 | UNITED HEALTHCARE | — | $185K | $185K | 5.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD, STE 110 FARMINGTON HILLS, MI 48334 | UNUM LIFE INS CO | $13K | — | $13K | 3.93% |
| NFP INSURANCE SERVICES INC Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD, STE 110 FARMINGTON HILLS, MI 48334 | FIRST UNUM LIFE INSURANCE CO. | $614 | — | $614 | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD, STE 110 FARMINGTON HILLS, MI 48334 | UNUM LIFE INS CO | $321 | — | $321 | 9.51% |
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 | 799 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 622 | $3.7M |
| Dental | UNUM LIFE INS CO | 799 | $329K |
| Life insurance | UNUM LIFE INS CO | 799 | $329K |
| Short-term disability | UNUM LIFE INS CO | 799 | $329K |
| Long-term disability | UNUM LIFE INS CO | 799 | $329K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE CO. | 41 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 799 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.