| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAVIS PORTA3 | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $33K | $0 | $33K | 1.72% |
| REBECCA A MCLAUGHLAN3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $25K | $0 | $25K | 1.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 7219 GRAND RIVER AVE BRIGHTON, MI 48114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.16% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, LLC | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 1.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 1.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DETRIOT PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.39% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DETRIOT PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.71% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W BIG BEAVER RD STE 2300 TROY, MI 48084 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DETRIOT PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.38% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.50% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.48% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 409 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 565 | $213K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 409 | $1.9M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $83K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $127K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 409 | $1.9M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 565 | — |
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.