| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7219 GRAND RIVER AVENUE BRIGHTON, MI 48114 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 13.56% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, LLC | 7219 GRAND RIVER AVENUE BRIGHTON, MI 48114 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $653 | $5K | 3.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.24% |
| TRAVIS PORTA3 | 7219 GRAND RIVER AVENUE BRIGHTON, MI 48114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | $0 | $4K | 2.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7219 GRAND RIVER AVENUE BRIGHTON, MI 48114 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $178 | $178 | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 4.66% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, LLC | 7219 GRAND RIVER AVENUE BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $3K | $0 | $3K | 3.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7219 GRAND RIVER AVENUE BRIGHTON, MI 48114 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 10.00% |
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 | 154 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 22 | $118K |
| Dental | DELTA DENTAL OF MICHIGAN | 240 | $92K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 270 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $154K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $154K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $154K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.