| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A. HEINTZ3 Filed as: ROBERT A HEINTZ | 5570 WILSON AVENUE SOUTHWEST SUITE D GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $11K | $2K | $13K | 4.36% |
| TGG SOLUTIONS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $3K | $0 | $3K | 0.94% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 5570 WILSON AVENUE SW WYOMING, MI 49418 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 5.69% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 5570 WILSON AVENUE SW GRANDVILLE, MI 49418 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $572 | $0 | $572 | 10.88% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 5570 WILSON AVENUE SW SUITE D WYOMING, MI 49418 | COMPANION LIFE | $462 | $0 | $462 | 14.99% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 500 CASCADE WEST PARKWAY SOUTHEAST GRAND RAPIDS, MI 49546 | COMPANION LIFE | $208 | $0 | $208 | 6.75% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCADE WEST PARKWAY SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE | $23 | $0 | $23 | 0.75% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 88 | $301K |
| Dental | DELTA DENTAL OF MICHIGAN | 66 | $22K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 64 | $5K |
| Life insurance | COMPANION LIFE | 138 | $3K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 88 | $301K |
| Other | COMPANION LIFE | 138 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.