| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 5.00% |
| PARTNERS ADVANTAGE LLC3 | 729 W. ANN ARBOR TRAIL PLYMOUTH, MI 48170 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.00% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA ASSOCIATES - T. PORTA | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC. | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $664 | $2K | 19.87% |
| LUCIDO MORRIS ASSOCIATES, LLC3 Filed as: LUCIDO MORRIS ASSOCIATES LLC | 24255 W 13 MILE ROAD - SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.26% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA ASSOCIATES - T.PORTA | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $380 | — | $380 | 7.57% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA ASSOCIATES - T. PORTA | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $319 | — | $319 | 7.57% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA ASSOCIATES- T. PORTA | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $294 | — | $294 | 6.99% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA ASSOCIATES - T. PORTA | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $265 | — | $265 | 7.57% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 71 | $333K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $34K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 52 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $8K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 52 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $5K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 71 | $333K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.