| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE PORTA BENEFITS | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | $209K | — | $209K | 2.93% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE PORTA BENEFITS | — | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $7K | $7K | 0.10% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS | — | BLUE CARE NETWORK OF MICHIGAN | $34K | — | $34K | 2.30% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS | — | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.12% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS | — | LINCOLN NATIONAL LIFE | $76 | $2K | $2K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | — | LINCOLN NATIONAL LIFE | — | $259 | $259 | — |
| GRACE AND PORTA BENEFITS INC Filed as: GRACE AND PORTA BENEFITS | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | — | — | $0 | — |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFIT | — | LINCOLN NATIONAL LIFE | $19K | $10K | $29K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | — | LINCOLN NATIONAL LIFE | $4K | $1K | $5K | — |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS | — | LINCOLN NATIONAL LIFE | $21K | $11K | $33K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | — | LINCOLN NATIONAL LIFE | $4K | $2K | $6K | — |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS | — | LINCOLN NATIONAL LIFE | $66K | $32K | $99K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | — | LINCOLN NATIONAL LIFE | $13K | $5K | $18K | — |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS | — | PRIORITY HEALTH | $36K | — | $36K | — |
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 | 997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 997 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,994 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 997 | $8.6M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN | 1,034 | $0 |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE | 1,455 | $0 |
| Long-term disability | LINCOLN NATIONAL LIFE | 1,455 | $0 |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 997 | $8.6M |
| Other | LINCOLN NATIONAL LIFE | 776 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,455 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.