| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE PORTA BENEFITS - TRAVIS PORTA | 7219 GRAND RIVER BRIGHTON, MI 48114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $83K | $4K | $87K | 3.11% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE PORTA BENEFITS - TRAVIS PORTA | 7219 GRAND RIVER BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $17K | — | $17K | 8.43% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $4K | $19K | 19.48% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $4K | $17K | 19.34% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.47% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $11K | 19.47% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $516 | $8K | 16.01% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $503 | $4K | 11.48% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $453 | $5K | 16.37% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | — |
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 | 408 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 554 | $2.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 617 | $203K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $34K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $141K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $69K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 554 | $2.8M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.