| 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 | $6K | — | $6K | 0.12% |
| NFP INSURANCE SERVICES INC Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | UNITED HEALTHCARE | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD, STE 110 FARMINGTON HILLS, MI 48334 | LINCOLN NATIONAL LIFE INS CO | $4K | — | $4K | 2.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INS CO | — | $592 | $592 | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD, STE 110 FARMINGTON HILLS, MI 48334 | LINCOLN NATIONAL LIFE INS CO | $5K | — | $5K | 3.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INS CO | — | $438 | $438 | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD, STE 110 FARMINGTON HILLS, MI 48334 | LINCOLN NATIONAL LIFE INS CO | $18K | — | $18K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INS CO | — | $376 | $376 | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD, STE 110 FARMINGTON HILLS, MI 48334 | LINCOLN NATIONAL LIFE INS CO | $3K | — | $3K | 5.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INS CO | — | $174 | $174 | 0.33% |
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 | 914 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 1,199 | $5.0M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INS CO | 914 | $174K |
| Short-term disability | LINCOLN NATIONAL LIFE INS CO | 914 | $53K |
| Long-term disability | LINCOLN NATIONAL LIFE INS CO | 914 | $135K |
| Other | LINCOLN NATIONAL LIFE INS CO | 874 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,199 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.