See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 5 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 7 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAUL M SNIDER AGENT OR BROKER | Insurance agents and brokers Service code 22 | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 48334 | $120K |
| NFP SCHECHTER BENEFITS, LLC AGENT OR BROKER | Insurance agents and brokers Service code 22 | 2000 TOWN CENTER STE 1820 SOUTHFIELD, MI 48075 | $44K |
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 | 1,324 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,324 | 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 | 290 | $3.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 255 | $229K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 255 | $229K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $409K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $409K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $409K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 290 | $3.9M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.