| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRAVIS PORTA3 | 7219 GRAND RIVER BRIGHTON, MI 48114 | PRIORITY HEALTH INSURANCE COMPANY | $46K | — | $46K | 3.00% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS | 7219 GRAND RIVER BRIGHTON, MI 48114 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.53% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS, INC. | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $7K | 18.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 7219 GRAND RIVER ROAD BRIGHTON, TX 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $202 | $1K | 3.34% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 19.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $920 | $184 | $1K | 3.27% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE AND PORTA BENEFITS INC. | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 30.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 7219 W GRAND RIVER BRIGHTON, MI 49114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $173 | $35 | $208 | 0.81% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS | 7219 GRAND RIVER ROAD BRIGHTON, MI 48114 | EYEMED VISION CARE | $1K | — | $1K | 8.38% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC. | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $559 | $2K | 17.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $325 | $65 | $390 | 4.42% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC. | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $976 | $504 | $1K | 17.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7219 W GRAND RIVER BRIGHTON, MI 49114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $282 | $56 | $338 | 4.03% |
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE & PORTA BENEFITS INC. | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $774 | $409 | $1K | 17.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 7219 W GRAND RIVER BRIGHTON, MI 48114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $268 | $54 | $322 | 4.64% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 225 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 262 | $100K |
| Vision | EYEMED VISION CARE | 216 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 250 | $26K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $36K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 250 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.