| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL M SNIDER3 | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 483342973 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $62K | — | $62K | 2.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 2000 TOWN CENTER STE 1820 SOUTHFIELD, MI 480751352 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.06% |
| PAUL M SNIDER3 | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 483342973 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 2.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 2000 TOWN CENTER STE 1820 SOUTHFIELD, MI 480751352 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $17K | 5.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $11K | 5.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $457 | $10K | 15.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 12.37% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $342 | $342 | 1.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 15.72% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $286 | $286 | 1.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 48334 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $570 | $396 | $966 | 16.96% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $82 | $82 | 1.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 48334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39 | $2 | $41 | 15.59% |
| 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 | $88K |
| NFP SCHECHTER BENEFITS, LLC AGENT OR BROKER | Insurance agents and brokers Service code 22 | 28555 ORCHARD LAKE RD STE 110 FARMINGTON HILLS, MI 48334 | $49K |
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 | 1,521 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,521 | 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 | 313 | $3.6M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $199K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $307K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $307K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $307K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 313 | $3.6M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.