| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS | 7219 GRAND RIVER BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 9.96% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS INC. | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.29% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, INC. | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $718 | $3K | 19.29% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS INC. | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $660 | $3K | 19.34% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS INC. | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $376 | $2K | 19.34% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, INC. | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $847 | — | $847 | 10.00% |
| LUCIDO MORRIS ASSOCIATES, LLC3 Filed as: LUCIDO MORRIS ASSOCIATES LLC | 24255 W 13 MILE ROAD-STE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.20% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 186 | $77K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 81 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $27K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.