| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAVIS PORTA3 | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $45K | — | $45K | 1.55% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC | 7219 GRAND RIVER RD BRIGHTON, MI 48114 | HARTFORD LIFE AND ACCIDENT | $11K | $4K | $15K | 23.47% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.79% |
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 | 407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 412 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 412 | $2.9M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 412 | $2.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 33 | $64K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 33 | $64K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 412 | $2.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 33 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.