| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHERI L CRIFASI3 Filed as: SHERI CRIFASI | 400 W FOURTH STREET-SUITE 300 ROYAL OAK, MI 48067 | PRIORITY HEALTH INSURANCE COMPANY | $41K | — | $41K | 2.54% |
| TRAVIS PORTA3 | 7219 GRAND RIVER BRIGHTON, MI 48114 | PRIORITY HEALTH INSURANCE COMPANY | $7K | — | $7K | 0.46% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP, LLC | 400 WEST 4TH STREET-STE 300 ROYAL OAK, MI 48067 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 6.47% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, INC. | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 1.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TEXAS-HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 1.18% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 271 | $1.6M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $438K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $438K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $438K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $438K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $438K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.