| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD, SUITE 110 FARMINGTON HILLS, MI 48334 | HEALTH ALLIANCE PLAN | $33K | $0 | $33K | 1.82% |
| NFP INSURANCE SERVICES INC6 Filed as: NFP SCHECHTER BENEFITS, LLC | 251 PIERCE STREET BIRMINGHAM, MI 48009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 9.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 0.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD SUITE 110 FARMINGTON HILLS, MI 48334 | UNION SECURTY INSURANCE COMPANY | $11K | $0 | $11K | 8.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENFITS ADVISORS | 28555 ORCHARD LAKE ROAD FARMINGTON HILLS, MI 48334 | EYEMED VISION CARE | $3K | $0 | $3K | 8.78% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH ALLIANCE PLAN | 336 | $1.8M |
| Dental | UNION SECURTY INSURANCE COMPANY | 236 | $139K |
| Vision | EYEMED VISION CARE | 362 | $39K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $217K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $217K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $217K |
| Prescription drug | HEALTH ALLIANCE PLAN | 336 | $1.8M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 246 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.