| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXTERNAL AGENT3 | — | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 3.36% |
| MANAGING AGENT3 | — | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 0.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE ROAD SUITE 110 FARMINGTON HILLS, MI 48334 | GUARDIAN | $4K | $4K | $8K | 13.50% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC. | 7219 GRAND RIVER RD. BRIGHTON, MI 48114 | GUARDIAN | $1K | — | $1K | 2.47% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN | $84 | — | $84 | 0.15% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD. FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 4.78% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS | 7219 GRAND RIVER RD. BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $897 | — | $897 | 2.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD. FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $996 | — | $996 | 4.40% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS | 7219 GRAND RIVER RD. BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $421 | — | $421 | 1.86% |
| GROUP PERKS INCORPORATED3 | 251 PIERCE BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY | $2K | $149 | $2K | 10.90% |
| GRACE & PORTA ASSOCIATES3 | 7219 W GRAND RIVER BRIGHTON, MI 48114 | UNUM LIFE INSURANCE COMPANY | $390 | $31 | $421 | 1.93% |
| GROUP PERKS INCORPORATED3 | 251 PIERCE BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $107 | $2K | 11.20% |
| GRACE & PORTA ASSOCIATES3 | 7219 W. GRAND RIVER BRIGHTON, MI 48114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $282 | $21 | $303 | 1.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC | 28555 ORCHARD LAKE RD FARMINGTON HILLS, MI 48334 | DELTA DENTAL OF MICHIGAN | $321 | — | $321 | 3.58% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $123 | — | $123 | 1.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 251 PIERCE ST. BIRMINGHAM, MI 48009 | SUN LIFE ASSUARANCE COMPANY OF CANADA | $783 | — | $783 | 8.96% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC | 7219 GRAND RIVER BRIGHTON, MI 48114 | SUN LIFE ASSUARANCE COMPANY OF CANADA | $91 | — | $91 | 1.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY SOUTH SUITE 125 AUSTIN, TX 78746 | SUN LIFE ASSUARANCE COMPANY OF CANADA | $51 | — | $51 | 0.58% |
| EXTERNAL AGENT3 | — | BLUE CARE NETWORK | $4K | — | $4K | 53.07% |
| MANAGING AGENT3 | — | BLUE CARE NETWORK | $1K | — | $1K | 14.94% |
| GROUP PERKS INCORPORATED3 | 251 PIERCE BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $907 | $45 | $952 | 14.37% |
| GRACE & PORTA ASSOCIATES3 | 7219 W. GRAND RIVER BRIGHTON, MI 48114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $185 | $9 | $194 | 2.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 251 PIERCE ST. BIRMINGHAM, MI 48009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $508 | — | $508 | 8.82% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC | 7219 GRAND RIVER BRIGHTON, MI 48114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $68 | — | $68 | 1.18% |
| NFP INSURANCE SERVICES INC1 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HWY SOUTH SUITE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32 | — | $32 | 0.56% |
| GROUP PERKS INCORPORATED3 | 251 PIERCE BIRMINGHAM, MI 48009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $532 | $34 | $566 | 11.27% |
| GRACE & PORTA ASSOCIATES3 | 7219 W GRAND RIVER BRIGHTON, MI 48114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $121 | $8 | $129 | 2.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS, LLC DB | A SCHECHTER BENEFITS ADVISORS 28555 ORCHARD LAKE RD., STE. 110 FARMINGTON HILLS, MI 48334 | VISION SERVICE PLAN | $419 | — | $419 | 9.08% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS | 7219 GRAND RIVER RD. BRIGHTON, MI 48114 | VISION SERVICE PLAN | $43 | — | $43 | 0.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SCHECHTER BENEFITS LLC | 251 PIERCE ST. BIRMINGHAM, MI 48009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $153 | — | $153 | 9.02% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC. | 7219 GRAND RIVER BRIGHTON, MI 48114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17 | — | $17 | 1.00% |
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 | 181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 181 | $1.1M |
| Dental(4 contracts, 2 carriers) | GUARDIAN | 89 | $130K |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 181 | $822K |
| Life insurance(7 contracts, 5 carriers) | GUARDIAN | 69 | $116K |
| Short-term disability(4 contracts, 4 carriers) | GUARDIAN | 69 | $96K |
| Long-term disability(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 45 | $48K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 181 | $1.1M |
| Other(6 contracts, 4 carriers) | GUARDIAN | 69 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.