| 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 | $40K | $0 | $40K | 4.58% |
| EDGE INSURANCE GROUP, LLC3 | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $0 | $396 | $396 | 0.05% |
| EDGE INSURANCE GROUP, LLC3 | 5570 WILSON AVENUE SW, SUITE D WYOMING, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $7K | $27K | 19.92% |
| EDGE INSURANCE GROUP, LLC3 | 5570 WILSON AVENUE SW GRANDVILLE, MI 49418 | DELTA DENTAL OF MICHIGAN | $5K | $158 | $5K | 10.20% |
| EDGE INSURANCE GROUP, LLC3 Filed as: EDGE INSURANCE GROUP | 5570 WILSON AVENUE SW, SUITE D GRANDVILLE, MI 49418 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 16.06% |
| TRIONFO3 | 333 WEST PIERCE ROAD, SUITE 190 ITASCA, IL 60143 | METROPOLITAN GENERAL INSURANCE COMPANY | $768 | $2K | $3K | 36.89% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 95 | $866K |
| Dental | DELTA DENTAL OF MICHIGAN | 143 | $54K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 127 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $135K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $135K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $135K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 95 | $866K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.