| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 7219 GRAND RIVER RD. BRIGHTON, MI 48114 | AMERITAS LIFE INSURANCE CORP. | $10K | $3K | $13K | 13.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 11.49% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC. | 7219 GRAND RIVER RD. BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 8.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $627 | $2K | 14.08% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS, INC. | 7219 GRAND RIVER RD. BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $780 | $627 | $1K | 8.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $707 | $446 | $1K | 10.73% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS, INC. | 7219 GRAND RIVER RD. BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $368 | $446 | $814 | 7.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $370 | $1K | 17.13% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS, INC. | 7219 GRAND RIVER RD. BRIGHTON, MI 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $611 | $370 | $981 | 11.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $703 | $285 | $988 | 17.24% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC. | 7219 GRAND RIVER RD. BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $443 | $285 | $728 | 12.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 MEDICAL TPA | Contract Administrator; Claims processing; Other fees; Consulting (general); Direct payment from the plan; Float revenue; Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $178K |
| GRACE & PORTA BENEFITS INC. BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other fees; Other commissions; Non-monetary compensation Service code 22 | 7219 GRAND RIVER RD. BRIGHTON, MI 48114 | $15K |
| UNITED OF OMAHA LIFE INSURANCE COMP EIN 47-0322111 STD ASO | Contract Administrator; Claims processing Service code 12 | — | $10K |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 393 | $97K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 393 | $97K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $17K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 187 | $426K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.