| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL M SNIDER3 | 28555 ORCHARD LAKE RD SUITE 110 FARMINGTON HILLS, MI 483342973 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $37K | — | $37K | 2.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 2000 TOWN CENTER SUITE 1820 SOUTHFIELD, MI 480751352 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.10% |
| PAUL M SNIDER3 | 28555 ORCHARD LAKE RD SUITE 110 FARMINGTON HILLS, MI 483342973 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 2.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 2000 TOWN CENTER SUITE 1820 SOUTHFIELD, MI 480751352 | BLUE CARE NETWORK OF MICHIGAN | — | $955 | $955 | 0.13% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 28555 ORCHARD LAKE ROAD SUITE 110 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 6.31% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFIT LLC | 28555 ORCHARD LAKE RD SUITE 110 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 3.44% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $562 | $562 | 0.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 28555 ORCHARD LAKE ROAD SUITE 110 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 6.00% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 28555 ORCHARD LAKE ROAD SUITE 110 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 17.12% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFIT LLC | 28555 ORCHARD LAKE RD SUITE 110 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $358 | $2K | 8.02% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $149 | $149 | 0.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFIT LLC | 28555 ORCHARD LAKE RD SUITE 110 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $309 | $2K | 11.49% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $129 | $129 | 0.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFIT LLC | 28555 ORCHARD LAKE RD SUITE 110 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $996 | $147 | $1K | 11.47% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $61 | $61 | 0.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECTER BENEFITS LLC | 28555 ORCHARD LAKE ROAD SUITE 110 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $393 | $24 | $417 | 32.45% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 SUITE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
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 | 1,816 | 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) | 1,816 | 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 | 322 | $2.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $178K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $269K |
| Short-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 355 | $394K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $209K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 322 | $2.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.