| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A. HEINTZ3 | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $66K | — | $66K | 2.90% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $0 | $509 | $509 | 0.02% |
| ROBERT A. HEINTZ3 | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | $0 | $29K | 2.34% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $3K | $3K | 0.23% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVENUE SW GRANDVILLE, MI 49418 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 3.13% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $10K | $28K | 14.36% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.95% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 449 | $3.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 604 | $271K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 591 | $26K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $194K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $194K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 348 | $194K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 449 | $3.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 385 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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.