| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, INC. | 7219 GRAND RIVER BRIGHTON, MI 48114 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $34K | $0 | $34K | 4.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD, PO BOX 8029 STERLING HEIGHTS, MI 483118029 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF MI | 30150 TELEGRAPH RD #408 BINGHAM FARMS, MI 48025 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.34% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, INC. | 7219 GRAND RIVER BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 7.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF DETROIT, INC. | 35735 MOUND RD, PO BOX 8029 STERLING HEIGHTS, MI 483118029 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 7.57% |
| GROUP INSURANCE SERVICE INC3 Filed as: GROUP INSURANCE SERVICE | PO BOX 901 NAPERVILLE, IL 60566 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $268 | $0 | $268 | 5.09% |
| LAWRENCE C WENDT3 | 70501 CARNEGIE LN BRUCE TWP, MI 480654263 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $253 | $0 | $253 | 4.80% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, INC. | 7219 GRAND RIVER BRIGHTON, MI 48114 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $122 | $0 | $122 | 2.32% |
| PARTNERS ADVANTAGE LLC3 | 729 W ANN ARBOR TRAIL PLYMOUTH, MI 48170 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $84 | $0 | $84 | 1.60% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, INC. | 7219 GRAND RIVER BRIGHTON, MI 48114 | FIDELITY SECURITY LIFE INSURANCE COMPANY (DBA EYEMED) | $28 | $0 | $28 | 1.59% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 142 | $703K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 106 | $37K |
| Vision(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $17K |
| Other(2 contracts, 2 carriers) | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | 142 | $720K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.