| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $30K | — | $30K | 4.98% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS, INC. | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60K | $7K | $67K | 17.82% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | EYEMED | $5K | — | $5K | 5.66% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS | 320 W. LAKE LANSING ROAD EAST LANSING, MI 48823 | EYEMED | $761 | — | $761 | 0.80% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC. | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $3K | $16K | 28.72% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC. | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.76% |
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 | 813 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 1,581 | $985K |
| Vision | EYEMED | 1,299 | $95K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 813 | $374K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 813 | $462K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 813 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,581 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.