| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAVIS PORTA3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $104K | — | $104K | 4.34% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 0.10% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $926 | $926 | 2.49% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $649 | $649 | 2.22% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $570 | $570 | 2.48% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GRACE AND PORTA BENEFITS INC3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $540 | $540 | 2.49% |
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 | 381 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 751 | $2.4M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $51K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.