| 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 CROSS BLUE SHIELD OF MICHIGAN | $19K | $0 | $19K | 2.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $1K | $1K | 0.17% |
| ROBERT A. HEINTZ3 Filed as: ROBERT A HEINTZ | 5570 WILSON AVENUE SOUTHWEST SUITE D GRANDVILLE, MI 49418 | BLUE CARE NETWORK OF MICHIGAN | $9K | $0 | $9K | 2.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, MI 48084 | BLUE CARE NETWORK OF MICHIGAN | $0 | $572 | $572 | 0.17% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVENUE SW, SUITE D WYOMING, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 15.00% |
| EDGE INSURANCE GROUP LLC3 | 5570 WILSON AVENUE SW WYOMING, MI 49418 | DELTA DENTAL OF MICHIGAN | $8K | $0 | $8K | 9.24% |
| EDGE INSURANCE GROUP LLC3 Filed as: EDGE INSURANCE GROUP | 5570 WILSON AVENUE SW GRANDVILLE, MI 49418 | EYEMED | $1K | $0 | $1K | 10.00% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 100 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 211 | $90K |
| Vision | EYEMED | 184 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $127K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $127K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $127K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 100 | $1.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.