| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HEINTZ3 | 2213 EAST GRAND RIVER AVENUE SW SUITE B LANSING, MI 48912 | UNIVERSITY OF MICHIGAN HEALTH PLAN | $14K | $0 | $14K | 4.00% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 7.44% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP, LLC | 5570 WILSON AVENUE SW, SUITE D WYOMING, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $578 | $2K | 15.43% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERSITY OF MICHIGAN HEALTH PLAN | 47 | $339K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 66 | $21K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 66 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $11K |
| Prescription drug | UNIVERSITY OF MICHIGAN HEALTH PLAN | 47 | $339K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.