| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAVIS PORTA3 | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | PRIORITY HEALTH | $36K | $0 | $36K | 3.00% |
| GRACE AND PORTA BENEFITS INC3 | 729 GRAND RIVER BRIGHTON, MI 48114 | NATIONAL GUARDIAN LIFE INS CO (BEAM) | $9K | $0 | $9K | 9.85% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | METROPOLITAN LIFE INSURANCE COMPANY | $317 | $59 | $376 | 0.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLL CTR DRIVE, 40 W MADISON CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $85 | $85 | 0.22% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 239 | $1.2M |
| Dental | NATIONAL GUARDIAN LIFE INS CO (BEAM) | 152 | $96K |
| Vision | NATIONAL GUARDIAN LIFE INS CO (BEAM) | 152 | $96K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $39K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 167 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.