| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAVIS PORTA3 | 7219 GRAND RIVER BRIGHTON, MI 48114 | PRIORITY HEALTH | $7K | — | $7K | 2.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 5.73% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, LLC | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 5.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 18.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTEERNATIONAL MIDWEST LIMITED | 490 GREENLEAF DRIVE BRIGHTON, MI 48114 | EYEMED VISION CARE | $1K | — | $1K | 9.94% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | EYEMED VISION CARE | $82 | — | $82 | 0.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $261 | $2K | 17.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $244 | $1K | 18.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 7219 W. GRAND RIVER ROAD BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $214 | $1K | 18.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $978 | $196 | $1K | 18.01% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 29 | $238K |
| Dental | DELTA DENTAL OF MICHIGAN | 203 | $67K |
| Vision | EYEMED VISION CARE | 152 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $7K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $63K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $47K |
| Prescription drug | PRIORITY HEALTH | 29 | $238K |
| Other(6 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.