| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAVIS PORTA3 | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $28K | — | $28K | 2.69% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $386 | $386 | 0.04% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.23% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $6K | $8K | 7.16% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $68 | $68 | 0.06% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 153 | $1.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $110K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $110K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $110K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $110K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $110K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 153 | $1.1M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.